Indebtedness? Negotiate consolidate your loans. The mechanism is for the creditor to combine funds into one, tailored to ability to repay the debtor. The new deals may not exceed 50% of net income of the borrower. Consolidation is not always granted by the credit committees of banks. Indebtedness? Negotiate consolidate your loans] Everybody has at one time or another, use of credit. For housing, equip, entertainment, health care, even for food, some do not hesitate to contract out several loans simultaneously. Solution providential departure, debt can quickly turn into a nightmare for the unwary. They then find themselves at the end of each month, with a multitude of bills to pay, and ability to repay completely outdated. Are there ways to overcome this type of situation? Where to find the money to repay the various loans? There is actually a solution quite effective and realistic. Your lender can give you a final credit will not be affected one, the purchase of furniture or other consumer product, but only to repay all the old loans. This mechanism has a name: it is a “debt consolidation“. What exactly is the process and how to use it?