http://www.dawnofthedebt.com/debt/debt-reduction-programs.html If you are going to choose from the many debt reduction programs, we have a few recommendations. Take a look at some of our favorite debt reduction programs. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 What are your favorite programs? We can tell you which are our favorite debt reduction programs. Sure, we know the ropes by now. We are talking about debt reduction programs that start with the words debt consolidation. Take into consideration that there are a lot of debt reduction programs out there on the market, but not all of them begin with debt consolidation. And why do we agree that those are the best? Because they all incorporate and utilize debt consolidation to reach debt reduction. Forget multiple payments several times a year. Forget harassing phone calls from several creditors. With any one of these debt reduction programs, you are sure to recover quickly and completely, wile saving yourself a lot of time and headaches. Take a look at the debt reduction programs we are talking about just below and choose one that is right for you. Pick a program, any program The first debt reduction program is the classic. We are talking about debt consolidation. Debt consolidation is a debt reduction plan that uses negotiation to get debt balances and interest rates lowered. The lower balances are combined, and the consumer makes one monthly payment to the debt consolidation company, which they distribute among the consumer's creditors accordingly. The very next one of these effective and efficient debt reduction programs is the debt consolidation loan. These are loans given to consumers to pay off unsecured debts. They take the money and pay off their debts immediately, and pay back these loans that are given at much lower rates than what they were currently facing. The last of these programs is the debt consolidation mortgage. These mortgages allow homeowners to borrow from the equity in their houses to pay off debts. The payment is then combined with their mortgage payment so they get the same interest rate as their mortgage. Sat, 26 Jul 2008 15:00:00 EDT