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Be advised that no one can eliminate your debts entirely. Most debt consolidation resources only reduce the rates of interest on your credit cards or loans. And while some claim to "eliminate your interest rates completely," this is not always entirely true. When they consolidate all of your bills, they will roll them into a single monthly installment. If you are not dealing with an honest company or a company with good rates, there is a good chance they'll also roll those interest rates into your debt without you knowing.