If you are fortunate enough to have an excellent credit rating, it is easy to consolidate your credit card bills into one payment.
For many other people it is not as easy, but it is still possible if you know how to go about it.
Some people are totally over run by credit card debt and are desperate for a solution, any solution.
Those who are faced with this reality often live from paycheck to paycheck.
Most of these people need help to consolidate credit card debt.
Well, you will be at your wit's end no more.
Plenty of help is available on the internet.
For those of us who have less than perfect credit but have equity in homes can choose a home equity debt consolidation loan to cure your credit card debt worries.
Those who do not have home equity to tap into may choose to use a plan where the borrower can use a life insurance policy to stand as collateral for a personal loan.
If you decide to choose this method, you should be careful and do plenty of research.
Some companies that use alternate forms of collateral are not always easy to work with once you have the loan.
This is not meant to discourage, but is just a little piece of advice Another thing to consider is whether or not to go with a company that also offers debt consolidation counseling services.
Many times people overlook this valuable resource.
These companies provide information and training that you will be able to use for a lifetime of financial decisions