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Have your payments to your credit cards reached the point where your debt needs to be consolidated? If so, don’t just sit there and worry all of the time, but talk to those who know the field. I certainly do not other than to know there is secure and unsecured. Secured debt is when you have a tangible item that can be sold for the balance due on the account. Unsecured debt is when you have not used any collateral in order to secure the loan. Either situation can be tenacious. If it is a secured loan, and you default, don’t make the payment, they can take whatever you used for collateral.