Debt consolidation services are available to anyone who has consumer debt, and they can help you to reduce the stress of managing multiple credit cards and loans. Debt consolidation services don’t involve filing for bankruptcy but will still allow you to pay off your debt in under five years while not having to worry about missing payments or dealing with debt collectors. What Is A Debt Consolidation Service? A debt consolidation service is a way to consolidate your debts into one low monthly payment. This can help you lower your interest rates and avoid late fees, as well as pay off your debts faster. Some of these services allow you…