Best 2021 Reviews

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Personal Loans

A personal loan is the method of borrowing funds from banks, credit unions, online lenders, friends, or relatives with an agreed-upon payment term and may or may not require collateral.

Pros
A swift way of settling loans
A short-term method of settling debts

Cons
May have a long turnaround period
May result in larger interest rates

Consolidation

Consolidating debt means taking out a big loan to pay off all other smaller loans for a much smaller monthly payment plan and usually with lesser interest rates.

Pros
No collateral needed
No collateral needed
Upfront and direct method of settling debts

Cons
May lower your credit score rating
May result to prolonged payment terms

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Online Shopping. Couple Using Credit Card to Internet Shop

Settlement

Third-party agencies usually reach out to creditors on behalf of a debtor to agree on a settlement offer that is potentially lower than the original amount being owed to resolve an entire debt.

Pros
A quick and practical solution for debt repayment
You no longer need to deal with creditors directly
You can potentially pay less than what you originally owed

Cons
Some creditors may not be open to settling
Debt Settlement Is Not A Legally Enforceable Right
Smaller monthly payments but longer payment terms and higher interest rates