Might be not as a program. But the basics are often applied for credit card dues or when you pay off smaller loans by taking out a larger loan.

is there something called consolidation even?

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Well, consolidation has more or less turned into a concept nowadays. But yes, it's there. Might be not as a program. But the basics are often applied for credit card dues or when you pay off smaller loans by taking out a larger loan. And the debt relief companies often use it as a roundabout way for recommending the settlement process. Hope that answers what you want to know about it.


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