http://www.aboutcreditcarddebt.com/debt-consolidation/florida-debt-consolidation.html Florida debt consolidation is here to help Floridians and non-Floridans alike. Can it help you? Probably. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 Do you live in Florida? Are you in debt up to your kneecaps? Or your elbows? Or your eyeballs? Are creditors hounding you day and night, working tooth and nail to scare you into giving them money you just don't have? If you answered "yes" to any of these questions, you need Florida debt consolidation. What's That? Florida debt consolidation? It's a way of getting your debts paid off without a loan and a way to stop your creditors from harassing you. Here's how it works: You do a search on the Internet for Florida debt consolidation. Pages and pages of companies appear on your monitor, all waiting for you to complete their online questionnaire (which, by the way, is a secure, no-obligation form). Within 24 hours, those people move from your Internet browser to your email inbox (or they call you) with their recommendations about how Florida debt consolidation and their particular company can benefit you. From there, you can compare the recommendations and choose which company to use. Next, a representative from the debt consolidation company contacts your creditors. They tell them you are enrolling in a debt consolidation program, which makes creditors more willing to lower their interest rates and sometimes your monthly payment, too. Sometimes, the debt consolidation representative can even convince your creditors to eliminate past late fees and other such "junk" fees, which can dramatically reduce your balance. Once the Florida debt consolidation representative has made deals with your creditors, they bundle all the payments together, and you make one monthly payment to the Florida debt consolidation company. They then distribute that payment to all your creditors each month. Because they all agreed to lower interest rates, most of your monthly payment money goes toward principal, not interest. As a result, you're debt free in 3-5 years instead of the 18-20 years it might have taken you otherwise to pay it off. What If I Don't Live in Florida? With Americans owing more than $8 billion in credit card debt, the need for American debt consolidation is greater than it's ever been, so it wouldn't be fair if Florida debt consolidation was restricted to Floridians. The truth is, Florida debt consolidation is the same as debt consolidation, bad credit debt consolidation, New York debt consolidation, credit card debt consolidation and most other kinds of debt consolidation. You can search the Internet using any of those terms and get the same or similar results. Florida debt consolidation: It's not just for Florida anymore. Sat, 26 Jul 2008 15:00:00 EDT