According to Dave Ramsey, 78% of the time after someone consolidates his credit card debt, the debt grows back.

One strategy I would recommend regarding student loans is to NOT consolidate them unless you will realize SUBSTANTIAL savings on interest.

Fact..... in order for a debt consolidation company to settle your debts, you will be advised to stop paying all your payments and they will allow them to go into default status of 120 day or more.

Then, assume that the note industry could be consolidated into, say 6 volumes that would contain about 2,400 pages (and that is consolidated!)

I am within 24 hours, most likely, of consolidating some very high interest credit card debt I acquired several years ago for, of all things, guru investor training.

FYI (they'll bite)To sum this up if you are a good negotiator and are willing to stop at nothing to get what you want do the work yourself and avoid the attorneys, consolidators and other scammers.

For a while I was hoping AlphaFlow would expand their reporting features (they started out by consolidating reporting across P2P loans and real estate), but as they've evolved their business it doesn't seem likely.

You have more than 10 houses so you should be able to shop around for a nice loan on your portfolio that will consolidate your debt into low interest payment.

Consolidators control the destiny for the most part.

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