Debt Consolidation in Sight Services

Most of our Debt Consolidation in Sight partners offer two primary types of services-debt consolidation and debt negotiation. We'll explain more about each here to help you decide which is right for you.

Debt Consolidation in Sight: Debt Consolidation

The first service our partners can offer is basic debt consolidation. At Debt Consolidation in Sight, we offer debt consolidation quotes to those with at least $5,000 in unsecured debt. Debt consolidation works by negotiating reduced rates with most major creditors in advance. These rates are available exclusively to Debt Consolidation in Sight visitors and not available to the general public. When you sign up for Debt Consolidation in Sight services, we will match you with a consolidation service that will apply these reduced rates to your individual creditors. Your new payment will then be determined based on these new rates. You will then make one, simple monthly payment to your consolidation service each month instead of having to worry about dozens of creditors every month. Debt consolidation with Debt Consolidation in Sight is ideal for people who:

• Have between $5,000-$20,000 in unsecured debt
• Are not in danger of bankruptcy
• Are fairly current on payments
• Have many creditors
• Have high-interest debts
• Are willing to cancel the credit cards included in consolidation

Debt Consolidation in Sight: Debt Negotiation

Debt Consolidation in Sight can also put you into contact with services that offer the more intensive intervention of debt negotiation, also called debt settlement. This is a more drastic intervention for debtors who have copious amounts of debt and are seriously delinquent on payments. With Debt Consolidation in Sight, debt negotiation requires you to stop paying your creditors while your consolidation service negotiates with your creditors to reduce your total payoff amount. During the negotiation period, you make deposits into a holding account of your own or one that your consolidation service has set up for you. When negotiations are over, you will take the money from your account to pay off your debts in full. Debt Consolidation in Sight debt negotiation is best for people who:

• Have over $20,000 in debt
• Understand the initially negative impact the service has on credit
• Are in danger of bankruptcy
• Are at least 3 months behind on payments

If you have any questions, please visit our frequently asked questions page.