Bill Consolidation

Outside of your monthly expense and necessity purchases, you probably have a slew of bills that come every month for credit cards, loans, and other debt. Your interest rates might be very high, or your monthly payment might be beyond your means. One way to deal with debt, make life less complicated and save money is to consolidate your bills.

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How Bill Consolidation Works

Bill Consolidation combines a number of your bills and personal debts into one payment. You can consolidate debt,  credit card, medical, and household expense bills into one payment. You can either combine the amounts into a low-interest loan, such as a cash-out or home equity mortgage or take out a short-term bill consolidation personal loan. If you can’t qualify for a loan, then look for alternative bill consolidation such as a debt settlement, or a debt management program.

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Why and When to Consolidate Your Bills
  1. When Should You Consolidate Your Bills
    Bill Consolidation is appropriate in many different situations. For example, if your credit cards have high-interest rates and you can qualify for a low-interest rate consolidation loan, then you can save money. If you are having trouble making monthly payments, then a long-term cash-out refinance, or home equity mortgage can help you consolidate debt.
  2. Why Consolidate Your Bills
    One primary reason to consolidate your bills is to simplify your life. Instead of making lots of payments, and risking late fee penalties, you only have to worry about one monthly payment. Another reason to consolidate your bills is to benefit from a lower interest rate. If your credit score improved, you may qualify for a low-interest bill consolidation loan and save money. A third reason is to reduce your monthly payment through a long-term mortgage or a debt settlement program for those with financial hardship.
Learn Which Bill Consolidation Loan is Right For You

If you have so many bills that you cannot keep track of them, a bill consolidation loan may help you apply more money toward your principal each month. You can watch your debt decrease in large chunks rather than slowly whittle away. There are various types of bill consolidation loans. Make sure that you choose a loan that fits your financial situation and goals.

Here are two types of bill consolidation loans available:

Bill consolidation loan: Do you have good credit? Consolidate your debt with a bill consolidation personal loan. Shop around for the loan that fits your budget and credit.

Cash-Out Refinance or Home Equity Loan: Do you have extra equity in your home? With a cash-out refinance or home equity loan you can consolidate bills and debt into one affordable payment.

Types of Bill Consolidation Loans

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Bills.com makes it easy to shop for a bill consolidation personal loan. Start by filling in your credit score, zip code, loan purpose, and the amount of loan you need. Check out different offers and click on the appropriate ones.

Bill Consolidation Hardship Programs

Are you struggling with bills? Juggling household expenses, medical bills, and an unexpected bill? Did you know that US households are carrying record level debt balances? Credit cards, mortgages, student loans, personal loans debt balances are close to $14 trillion.

Fortunately, there are bill consolidation alternatives for people suffering financial hardship. In a debt settlement program, you stop paying your bills and instead put money into a dedicated account to allow for a negotiated debt reduction. Another option, for those in hardship, is a Chapter 13 bankruptcy that allows for a court-ordered settlement whereby you make one payment into a designated account which is used to pay off your creditors.

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Consolidate Your Bills: Check Out the Debt Navigator Now!

Bills.com Debt Navigator tool helps you analyze the best bill consolidation alternatives. Getting debt help is as easy as answering a few questions, allowing a soft pull on your credit, with no impact on your credit score, and pushing a button. You will get a picture of your debt on one page as well as up to five different debt relief solutions. Choose the recommended solution that best fits your situation and helps you consolidate your bills

Bill Consolidation Top Articles

How to Consolidate Your Bills
Betsalel Cohen By Betsalel Cohen Aug/18

Learn how to consolidate your bills and make your debt easier to manage. If you are juggling medical bills, credit card bills... Read more >>

Bill Consolidaton Loan Options
Betsalel Cohen By Betsalel Cohen Aug/18

Bill consolidation loans can help save money. If you have excellent credit you can obtain a low-interest bill consolidation ... Read more >>

Bill Consolidation Programs
Betsalel Cohen By Betsalel Cohen Aug/18

Bill consolidation programs exist for those in a financial hardship. A personal loan isn't an option if you have poor credit ... Read more >>

Bill Consolidation and Credit
Betsalel Cohen By Betsalel Cohen Aug/18

Your credit score and history make a difference when choosing bill consolidation options. Also, once you choose a program you... Read more >>

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