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If you submitted your application online, your consolidation servicer’s contact information was provided at the end of the online process.

If you have several different debts, such as credit cards, loans, overdrafts etc, that you are struggling to repay each month then debt consolidation is a debt solution which could make your life easier.

They negotiate with your unsecured creditors and demonstrate to them what you can afford to pay and why it makes sense for them to accept lower monthly debt payments from you going forward.Our staff has assembled a list of these lenders that accept loan applicants for people with bad credit for unsecured loans (both short term and long), secured loans ( in the form of a home equity loan or mortgage refinance ) and debt consolidation loans.Please note that our company does not guarantee that you will be approved for any type of loan and our information is provided to the consumer free of charge.e-Payday - Provides payday loans in Northern Ireland. Bad credit is ok, as long as they can determine if you can afford the loan and have enough money in your account to cover the loan amount plus the interest on your next paydate. IE - A pawnbroker that loans money against jewelery, watches, loose diamonds, gold coins and bullion, art and antiques, plus other assets. They will offer you a loan of typically 30% of the cash value against your item. Once your loans are combined into a Direct Consolidation Loan, they cannot be removed. If you want to lower your monthly payment amount but are concerned about the impact of loan consolidation, you might want to consider deferment or forbearance as options for short-term payment relief, or consider switching to an income-driven repayment plan.

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