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Yes, both debt settlement and debt management take all the debts that you include in their program and consolidate them into one monthly bill. It is one of the benefits of the programs as many people have a much easier time making one payment.
I have 5,000 credit card debt. should transfer to a credit card that offers 18mos intrest free if i know that i can pay it off by or before the end of the 18 mos.
There are lots of credit card debt offers out there trying to lure you to transfer your balances…