Regulators with the Office of the Comptroller of the Currency began pressuring card issuers to raise minimum monthly payments. The new law for minimum payments went into effect at the end of 2005, and several credit card companies have already doubled their minimum monthly payments from 2% to 4%. If you are a homeowner, you may want to consider a debt consolidation loan through a mortgage refinance or home equity loan (second mortgage) because it will not only reduce your debt, but you also may get a 100% tax deduction on the interest you pay on your loan.

Here are a few tips on ways to consolidate your bills without having your credit checked.

Bad debt loans are debt consolidation loans for borrowers with bad credit. The following article lists a four-step formula of getting choice deals in bad debt loans and employing them for easy elimination of debts.

Learn the truth about debt settlement, and whether or not this form of debt relief is the right choice for you.

Having out of control debt can be a very stressful time. Debt help and debt solutions are at hand from debt management companies

Debt consolidation no wonder is an extremely smart way of consolidating and paying off your debts, but it comes with its own set of drawbacks.

Consider the debts that have a low possibility to be repaid. There are two types of bad debts: business bad debt and non-business bad debt...