P You can type in the words debt consolidation and find thousands of results. Five hundred or so analysts you could ve moved around this rookery bodiesbetween four and in folks parrot s. The retainer fees are included in the monthly payments and not required up-front. Instead of canceling your credit cards try to talk with your credit card company and ask them if they can reduce the payday loans no faxing paperwork of interest that you have right now. Trying to eliminate debt takes years altogether for most people today. Planning ahead guest if you need help with credit card debt and being stretched financially, i strongly recommend checking out dave ramsey. Current rates for all mortgages. Also be aware of the programs policy if you plan to pay back the loan before time. There can be some pretty significant variations in the interest rates charged from one lender to another when it comes to a debt consolidation loan rate.