Poor credit consolidating loan
But you can recover from credit score damage much more easily and quickly than you can recover from crushing debt.
If you are a careful money manager who fell into debt because of unusual circumstances (medical or veterinary bill, loss of employment or some other emergency) and NOT because you spent more on your credit cards than you could afford to pay off each month, then leave the accounts open.
The truth is that having any debt means you are financially beholden to a creditor and you can’t put your money in your own pocket until your obligation is met.
The best debt consolidation solution is one that simplifies your financial life or lowers your cost of debt, or both.
Even if you fall in a low tax bracket, you could face a huge bill to the IRS.
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