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If you are strongly determined to get rid of the debts caused by bad credit payday loans and are ready to demonstrate good financial discipline, you can consider consolidating the loans yourself. An easy way to do this is by contacting banks and credit unions. Many credit Unions and banks these days have launched special debt consolidation loans for those who are struggling badly with payday debt. They can offer you a low-rate loan on convenient terms and conditions. The idea is to obtain one big loan at a comparatively very low rate and to pay off the aggregate outstanding balance on payday loans in full. This way, you will end up having just one loan account, where you will have to make just one monthly payment, which is comparatively a very small amount of money. [link widoczny dla zalogowanych] Tips & Warnings 21.

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