How many times have you gone through this ?? - Your credit card goes into negatives and you are completely bankrupt !! Well , do you feel this pinch every end of the month ?? You have no clue on how to run your family until your pay-day that is one week from now ??! Well, for all your queries - the only answer can be this ! It may be called in several names such as payday loan , cash advance , etc - but then its has only one motive - to help you !! A payday loan or cash advance is nothing but a small, short term cash loans that bridges the borrower's cashflow gap between pay days. They provide you with an unsecured, short-term loan until your payday. payday loan debt consolidation are an alternative to bouncing checks, pawning personal property, or borrowing money from family and friends. DCC offers consumers free ongoing credit counseling services and educational materials regardless of whether or not consumers enroll in the DCC debt management plan program. DCC also offers free educational seminars to the public. debt consolidation loans services are for Credit Cards, Medical Bills and/or Collections Accounts. Only consumers having difficulty meeting monthly payment requirements or are un-able to reduce their balances should apply. The debt consolidation Plan may reduce or eliminate interest rates as well as stop late and over-limit fees. This program may also reduce a consumer's over all monthly payment. Interest rates will vary depending on the creditors, but are usually around 6-9% and sometimes eliminated. All of the debt consolidation services and benefits are extended by the credit grantors. Consumer's payments must be made on time or creditors may drop a consumer from a DMP and not allow re-instatement. If this happens then the benefits extended by the creditors will be revoked.