There are many debt solution available in the market, like - debt consolidation, debt settlement etc. If you have multiple loans, debt consolidation is the right way for you. By this way you can save from your payments as well as avoid penalties.
Penalties are added with your payment when you fail to pay your monthly payments against your bills or loan. It will get bigger if this happens in every month & you might have to pay 4/5 times each month. So, if you want to avoid this , first make your payments in time .
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