Consolidation programs in Phoenix and Tucson are the same as any other Arizona debt consolidation program. However, the fees required by a program will vary from one company to another. If you don't know about these programs and you aren't sure how to deal with creditors and collection agencies, check out these FAQ on Arizona consolidation.
Those who do without (like the people in North Carolina) are better off. Put simply, the reason people turn to payday lending is because, generally, they don't have enough money. And research confirms that, generally speaking, the last thing a person without enough money needs is a 365% interest rate loan.
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