Debt consolidation loans can give you a fresh start, allowing you to consolidate all of your loans into one - giving you one easy to manage payment, and in most cases, at a lower rate of interest.

If your objective is to reduce interest rates and lower your monthly payments, avoid bankruptcy, consolidate your bills and have one monthly payment, or simply get out of debt fastest way possible, then a debt consolidation loan could provide answer.

You need to know playing field is not level. The sellers of goods and services have gobs of information at their fingertips. They know where you live. They have a close approximation of your income. They are aware of your interests. They also know your buying habits.

The information to which they have access is endless. They know age of your car through its registration. The appliances you have because of warranty cards returned. Where you shop because of credit and store cards you have used. How old your mortgage is and what you owe from public recording of deeds.

Because they have this information, you end up on a number of lists. The sorting and use of these lists are an art and science. It is source of mail you receive, offers you are made, and advertising to which you are exposed.

This makes for very effective advertising. They can target your “known” wants and desires. Huge amounts of money are spent to convince you to buy this or that product. You have heard how expensive Super Bowl ads are each year. They pay this type of money because it works.