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You enter how much you owe, the interest rate and what you think you can pay each month. The results might be shocking—you could be looking at decades before you have things under control again.

With a car loan or mortgage, you can work out a lower rate using your property as collateral.

The seriousness of your credit issues and if they have been "PAID" will also be a key factor.

Life is so full of ups and downs, especially over recent years, and although we all try and do our best things can go wrong.

Usually the credit limits on these cards are low, which you think is a good thing—it will keep you on track. A fixed payment schedule helps you pay off your debt more quickly, putting you back on the road of financial health.

The biggest problem with credit card debt is the high interest rates.

If you are juggling multiple cards, and making just the minimum payment on each one, the balance owed does not decrease very much.

Using a debt calculator, you can see for yourself how long it will take you to pay off your debt this way.Do not give up, you could still own a home or be able to refinance as some lenders do provide bad credit home loans if you have a bad credit history with collections and judgements or you have had some missed repayment or Tax glitches in the past.Loans can be up to 80% of your property valuation but this will be reduced for bare land, incomplete or run down properties and those not close to main centres. Credit card companies flourish on college campuses, and the card seems like such an easy way to take care of your expenditures when you don’t have cash in your pocket. Then one day, it hits you, your income is not anywhere near enough to make even the minimum payment on all the credit cards and other loans and you start missing payments, the credit card is blocked, lenders are demanding full payment and you are staring at ,000 in debt. Peerform loans can help you with credit card debt consolidation. Resorting to payday loans just to make your rent payment? Some of your credit card debt could have began in college. Now you have multiple cards, and you can pay the minimum on all of them, and the picture still looks pretty good in your eyes. In the meantime, you also have your student loans and maybe you decide you need a car.We can relieve all your payments and provide a low cost,low interest rate product that will provide our clients with one easy payment by Debt Consolidation.