Debt consolidation is best option if you are in financial difficulty. It helps you get help you need, almost immediately and can provide information on how a debt consolidation loan can make things easier for you and why it is important for you to have a good credit rating. Most of all Debt Consolidation Loans can help you avoid bankruptcy.

Debt Consolidation Loans will thus ensure your financial status and prevent you from unwanted monetary crisis. With Debt Consolidation you can reduce your debts quickly and easily and get back in control.

Across America, every state has tailor made Debt Consolidation programs such as Free Debt Consolidation, Debt Consolidation Loans, Non-Profit Debt Consolidation, Bill Consolidation and Credit Counseling. These programs can help you get out of financial crisis with some easy management like:

• Consolidating your debts into one easy monthly payment • Stopping collection agencies from harassing you and your family • Reducing your interest payments and eliminating penalties and late fees • Saving your credit rating • Offering financial advice to help you plan for a debt-free future • Saving you thousands of dollars on what you currently owe

For millions of home owners, a debt consolidation loan is perfect way to consolidate debts. You can consolidate your debts, eliminate outrageous interest rates and fees, and make one low monthly payment. Credit cards, medical bills, and unsecured loans can all be combined into one monthly payment when you apply for a debt consolidation refinance loan. The time has never been better to apply due to current low interest rates being offered by mortgage lenders. Information and quotes are free and you can apply to several lenders with one simple online application and then can choose from best quotation.

Refinancing your home in order to consolidate debts has tax advantages as well as lowering your monthly payments. You can roll all your debts into one low monthly payment and receive tax deductions on your refinanced mortgage. A debt consolidation refinance can give you extra money each and every month, eliminate high interest rates on credit card debts and unsecured loans, and give you a fresh start on attaining your financial goals. If you have overdue bills that never seem to get paid off and you feel as if there is no end in sight to constant financial pressure and stress, a debt consolidation refinance loan is perfect answer to your problems.

With growing threat of ID theft in shape of bank account and credit card cloning, lenders, card companies and credit reference agencies increasingly offer customers a range of anti-id theft services.

But online financial data analysis company Moneynet (www.moneynet.co.uk) today warns that many of these policies are flawed in that they do not offer full financial compensation to victims of fraud – and urges credit card and account holders to take simple measures to protect themselves against rising problem of id theft.

“We have seen a number of providers – and even credit reference agencies such as Experian – marketing protection services in recent months,” said Moneynet chief executive Richard Brown.

“Yet few, if any, of these services appear to offer insurance protection against actual financial loss in event that a credit card company, for example, refuses to cover loss – and surely this is what consumers really need,” he said.

“And if consumers are going to take out cover, they should also be aware that cost of protection can vary considerably,” he added.

“Royal Bank of Scotland’s service, while very comprehensive, will cost its customers more than £80 a year, while Barclaycard charges less than half that for a similar level of cover.  However, full terms and conditions of credit card should also be taken into account and id protection products should not be considered in isolation.