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What is Debt Consolidated Loans? Consolidated Debt plans involve restructuring your existing debt with your existing creditors. Money is not loaned, and creditors do not change --- but the terms and conditions under which the existing debt can be repaid usually change significantly. Under our Consolidated Debt Plan, the monthly payment which is expected by the creditors is typically lowered and, in most cases, interest due to the creditors is lowered --- and sometimes totally eliminated. A person qualifying for a Consolidated Debt Program will usually find they are making more progress towards reducing their debt even though they are making lower monthly payments. Since most creditors report payments received under this plan as prompt payment, the person's credit report is usually improved by a payment plan. For
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