HFC - HSBC member  - Great customer service;  - Mediocre rates;  - Fast processing times.
	America's Lending Partner  - Poor customer service;  - Very good rates;  - Fast processing times.
	E-Loan  - Smaller online provider, rates quite    sensitive to bad credit;  - Poor customer service;  - Very fast processing times.
	Credit.com - Debt Counseling  - Consumer oriented debt counseling    service;  - Offers great deals for consolidating debt;  - Small debt amounts accepted;  - No credit checks.

I’m sure many of you have been tempted by the many “interest free” deals when looking around at consumer good. Maybe that big screen flat panel TV looks especially good if it were in your living room and that interest free “special only today” deal makes it all the sweeter. Most people aren’t really aware that most of the interest payable for the TV or any other appliance that you buy on credit has already been included in the price and that the interest free term is merely something to attract customers to buy the product.

The main problem is that many people do fall for these types of marketing tactics and end up buying expensive appliances even though they might not need it. This adds to the consumer’s debt levels quite substantially and will put added and normally unnecessary strain on one’s finances in the long run. The situation becomes even more worrisome if the consumer decides to buy many appliances and applies for financing help for all of them. The monthly payments for these expensive appliances will quickly add up and in the end run your own personal finances into the ground.

The thing about consumer debt that many people don’t know is that the terms are generally very strict when compared to other types of loans from larger lenders. This is because the consumer financing for the consumer products sold at the store front do not go through a very rigorous credit checking or background checking that many customers face when applying for loans. As such the consumer financing departments of stores do face more risk and as such must raise rates or mark-ups to cover them adequately.

If you feel that your consumer debt levels are spiraling out of control then we suggest you strongly consider consumer debt consolidation products from our list of lenders above. The first and obvious benefit is that all the consumer debt will be bundled into one loan so the stress of having to service many different companies every month is greatly reduced. Consumer debt consolidation also normally decreases the payable amount every month significantly as the rates are reduced and the loan payment period is extended.

Most lenders that provide consumer debt consolidation loans also provide debt consultation services. Some even provide consultation free of charge so it is highly recommended that those who take up the consumer debt consolidation loan also look at having a consultant look at your finances so they can provide insightful advice and recommend better options in the management of your finances.