I am looking for debt consolidation in the form of a loan for one easy payment. Has anyone had any experiences with a friendly company? No hassles and easy to make it happen.

Hello everyone!
I am monalisa from US. I am also want to clarify my doubt on debt, that is, If I use a debt consolidation program or company to lower my monthly payments does this affect my credit?

Needs suggestions!

Thanks in advance!!

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