As I have written about a bit earlier this month, I am now really thinking seriously hard on checking a debt consolidation and have decided to research this issue a tad bit before diving head in, both by word of mouth and using the Internet as well, of course. I've found at mydebtconsolidationadvice.com that they advertise a free debt consolidation and you can apply directly online and have a “No Fax Payday Loan” at your disposal, for fast cash, for whatever reason. It is pretty well an one-stop research site with all kinds of options to choose, so it is easy to find the right fit for your financial issues. I think that I will test the waters with them and see what they have to say. I've spoken with several people that have taken this route of consolidate debt and had saved a good chunk of change, and they really appreciate having to only write out one check at the end of the month, instead of the many that take time and postage due. Low interest rates are out there for the choosing here. The loan modification is the process of changing one or more terms on a loan, often after a delinquency, to help homeowners keep their homes with more reasonable terms .My own credit card debt is not really all that compared with some of the numbers that I have heard come out of some people's mouth, but enough to be a burden and I would like to get it under control before it gets out of control.