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    Lower credit card debt without consolidating

    However, consolidation is not a foolproof solution.

    When it’s not done correctly, it can actually lead to more financial trouble than what you had when you started.

    Although signs show an upturn in the economy, many Americans are deep in debt, and not everyone can work overtime or a second job to pay down that debt.

    Consolidating your debt can let you combine several higher-interest balances into one with a lower rate, so you can pay down your debt faster without increasing payment amounts.

    Here are two common ways to consolidate debt: The material provided on this website is for informational use only and is not intended for financial or investment advice.

    Debt settlement companies usually ask that you transfer this amount every month into an escrow-like account to accumulate enough savings to pay off a settlement that is reached eventually.

    Further, these programs often encourage or instruct their clients to stop making any monthly payments to their creditors.

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