Some companies offer personal loans that are specifically designed for debt consolidation. These often have relatively low interest rates, which means lower monthly payments. However, they’re usually dragged out over so many years that you end up paying a fortune in interest.
So, rather than going through Debt4u or DebtsrUs, you could consider an ordinary personal loan to consolidate your payments. If your debts are currently on credit cards, such a loan could easily halve the amount of interest you pay….