from Lucy Bartlett
Paying off various unpaid loans by taking out a fresh loan is called debt consolidation. Some alleged benefits are that debt consolidation provides a lower interest rate or a fixed interest rate.
An asset that is put up as collateral - in most cases this is a house - to secure a loan is [...]

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from Debt
Debt reduction is definitely possible and all is not lost if that’s what you have been thinking of. It is fair that the burden of debts might actually be taking its toll on you, but to go for bankruptcy is not the only way. There is a solution of this that is Debt reduction. [...]

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