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Theoretically, any use of one form of financing to pay off other debts is practicing debt consolidation.
However, there are specific instruments called debt consolidation loans, offered by creditors as part of a plan to borrowers who have difficulty managing the number or size of their outstanding debts.
Creditors are willing to do this for several reasons – one of them being that it maximizes the likelihood of collecting from a debtor.
Take charge of your finances with the CIBC Debt Consolidation Calculator.In effect, multiple debts are combined into a single, larger piece of debt, usually with more favorable pay-off terms: a lower interest rate, lower monthly payment or both.Consumers can use debt consolidation as a tool to deal with student loan debt, credit card debt and other types of debt.This is TV at its near best, and I think it may be Brosnan's finest role.Debt consolidation means taking out a new loan to pay off a number of liabilities and consumer debts, generally unsecured ones.Home equity loans or home equity lines of credit are another form of consolidation sought by some people, as the interest on this type of loan is deductible for borrowers taxpayers who itemize their deductions.Tags: Adult Dating, affair dating, sex dating