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Others succeed because debt consolidation is part of a bigger plan to gain control over their finances.

"Now is the time if you are able to do balance transfers," says Jim Tehan, a spokesman for My Vesta.org, a money management website.Debt consolidation allows borrowers to roll multiple old debts into a single new one.Ideally, that new debt has a lower interest rate that makes payments more manageable or lets borrowers pay off the total more quickly.HELOCs had been a popular method to consolidate credit card debt prior to mid-2007."The market has changed and consumers need to be aware of that," says Brad Stroh, managing partner of Bills.com, a website that helps consumers manage and pay their monthly bills.

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