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Payday loan consolidation involves hiring a company to negotiate your payday loan debt directly with the individual lenders. The goal is to decrease the amount you are required to pay back. In general, the payday loan consolidation company will set up a savings account in your name, into which you will make small monthly payments. The negotiator then uses these funds to negotiate a settlement with the lender. The interest on your payday loans will stop accruing, leaving you with less to pay back over time. If you have multiple payday loans and think you could benefit from this service, call our toll-free number and speak to one of our representatives without delay.