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of the assets to sometimes pay to of back the loan. The to the lender is reduced so the interest rate offered is lower. debt consolidation companies can deduct volume of the loan. When the is in danger of , the debt consolidator will buy the loan at a discount. A prudent debtor can shop around for consolidators who will pass along some of the savings. Consolidation can affect the ability of the debtor to discharge debts in bankruptcy, so the decision to consolidate must be weighed carefully. debt consolidation are frequently advisable in the theory when someone is paying credit card debt
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