National Debt Relief ProgramCredit Counseling FloridaWhen it comes to credit counseling, Florida is the place to be. Our glorious and grandiose and flip flop wearing state has some of the finest professionals in the industry.The average Floridian carries about eight to nine credit cards. And if you have that many–or even more–you may be looking for a way to consolidate your debt into one, easy monthly payment. Fortunately, you have some options to consolidating your debt. You may want to consider:LoansApart from credit counseling Florida, if you’re a home owner you may want to consider what’s known as a Home Equity Loan, Home Equity Line of Credit or second mortgage. These will be the least expensive way for you to borrow a lump sum of cash for debt consolidation. By tapping into the equity in Mis Sold PPI your home, you can pay off your creditors so that you only have one creditor–your Home Equity lender–to worry about each month. If you’re not a home owner, you might still be able to secure a relatively low interest rate personal loan if you use an item of value that you own as collateral, such as your car, your boat, stocks or bonds, or jewelry.Another Credit CardSure, apart from credit counseling Florida, the idea of getting yet another credit card might sound crazy and irresponsible. But the key is to sign up for a low interest card and then transfer ALL the balances from your old cards onto your new one. That way, you’ve consolidated all your credit cards onto a single one. And you don’t have to sign up for a new account if you already have a card that has a zero balance plus low interest.