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Is Debt Consolidation Really Necessary?

Debt Consolidation is basically the combining of all debts into one single account for what some may agree as being an easier option to manage one's debts. The main point of the antagonists to this process is that the consolidated debts will incur additional and unnecessary interest that could well have been avoided. Although this statement is true, the problem arises when one has gotten into a spot of trouble and is behind on some of their payments or may be heading in that direction.

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