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The main difference between experience and lack of experience when it comes to debt consolidation is an understanding of what debt needs to be consolidated and what debt is best left in its current state.
All debt is not created equal and it is impractical to assume that you can group all debt together under one consolidation program and get the desired results. That is why hiring a professional and experienced debt consolidation company is so important to getting your debt under control.
A professional debt consolidation agency will analyze your situation and work with you to determine which debts qualify for consolidation and which debts are better left untouched. In some cases you may be much better off not bringing certain debts in under a consolidation program and understanding those situations is the domain of a true debt consolidation professional.