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Cost-free debt consolidation - yea right! The fact is, absolutely nothing in life is free of charge, which is precisely why you should be dubious of any advertisements that claim to offer you free debt consolidation. In most instances, you can get a free quote or else a initial-time counseling session. And in most instances, the 1st-time counseling session is to lure you into the company's agreement. Debt consolidation is a process that can take years to hash out. In most case, men and women with bad credit or existing debt troubles usually believe there is no way out. They may go online and locate a source that will help reduce their debts, believing that the amount of their debts is lower. Considering that few firms will lead numerous to believe this is true, it is essential that you know that the debt consolidation firms are only decreasing your rates of interest. If you own a home and want to use the equity to refinance, you could want to recognize that a good number of the House Equity Loans will actually land you deeper in debt. Once you are bound to the contract, you will discover the complications are far more frustrating than when you initial applied for the loan. I brought this up simply because a lot of homeowners will refinance their properties without looking into the details very first, believing they are consolidating their bills. They might feel they are acquiring something free, given that the amount on the mortgage appears reduced. Nevertheless, if you take out a loan to consolidate your mortgage, you are only stepping into another debt. Be advised that some mortgage contracts stipulate that if you refinance your property during the contract agreement, you may face penalties, which may incorporate paying off your 1st property, your second residence, and the interest rates included. For that reason, if you are taking into consideration debt consolidation, take into account the whole picture initial-and do not ever fall for the bogus claim that any debt consolidation will in fact be free. florida home loan mortgage