Can I negotiate with creditors without a consolidation company?

[C0upe]

Debt consolidation is a popular financial strategy for those who are looking to simplify their debt payments and potentially save money in the process. By combining multiple debts into a single loan, you may be able to reduce the interest rate you're paying overall and make it easier to keep track of your finances.

[joeybadass]

It is very pleasant to live without credits! A month ago, I got rid of the last debt. TryAscend.com did my debt consolidation a year ago, which made my life so much easier, and a month ago I made my last payment for their service and became completely financially independent. I don’t want to take loans anymore, but if I do and there are problems, I know who to contact.