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2. Debt relief: Pros and cons - AOL

   www.aol.com/finance/debt-relief-pros-cons...

   Consolidation is a common route for most borrowers, as there are numerous benefits and minimal risks, regardless of whether you choose to take out a new loan or opt for a 0 percent APR credit card ...

3. What nonprofit debt consolidation is and how it works

   www.aol.com/finance/nonprofit-debt-consolidation...

   Here’s what to consider to help you determine if free debt consolidation is a good fit for you. ... Nonprofit debt consolidation only works if creditors agree with the proposed arrangement ...

4. How to get debt relief - AOL

   www.aol.com/finance/where-debt-relief-help...

   Just like debt relief companies, credit counseling agencies work with your creditors to negotiate a lower payment on your behalf. You’ll typically be charged a setup fee and a monthly fee for ...

5. Uniform Debt-Management Services Act - Wikipedia

   en.wikipedia.org/wiki/Uniform_Debt-Management...

   The Act prohibits specific acts on the part of a service including: misappropriation of funds in trust; settlement for more than 50% of a debt with a creditor without a debtor’s consent; gifts or premiums to enter into an agreement; and representation that settlement has occurred without certification from a creditor. Enforcement of the ...

6. Credit counseling - Wikipedia

   en.wikipedia.org/wiki/Credit_counseling

   Credit counseling is most often done by Credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor's ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees.

7. How to consolidate debt without hurting your credit

   www.aol.com/finance/consolidate-debt-without...

   Debt consolidation can negatively impact your credit score. Any debt consolidation method you use will have the creditor or lender pulling your credit score, leading to a hard inquiry on your ...