In general, when you consolidate your debts, you make one monthly payment that helps satisfy all of your balances.

If you can secure a loan to pay off the balances on three different credit cards, for example, you only have to make one monthly payment to pay back that loan.

If the interest rate on the loan is lower than the interest rates on the credit cards, you’ll also save money.

It is accredited by the American Fair Credit Council and the International Association of Professional Debt Arbitrators, the two primary industry associations.

It is also in good standing with the Better Business Bureau.

It is also a member of the Online Business Bureau and the U. You don’t pay until the company settles your debts.

Cura Debt goes beyond simply negotiating your debts.

After going through counseling, if a client decides to move forward with a program, American Debt Enders will connect the client with one of its partners for further debt resolution.

What We Like: Cura Debt is accredited by the American Fair Credit Council and the International Association of Professional Debt Arbitrators. The company can help you consolidate debt from credit cards and other unsecured loans. After going through a free consultation, a Cura Debt counselor will help you decide if one of its programs is right for you.

We’re confident that the majority of our readers will be able to find an appropriate debt solution using one of these options.

Debt consolidation can mean many things and is synonymous with debt management.

They all offer free consultations, and some provide free credit counseling.