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Debt-Relief - If you are up to your neck in debt, there may seem like there is no in sight. In fact this is not necessarily the truth.There are ways to take all of your stifling bills and roll them up into one neat package by using debt consolidation in two very popular forms Home Equity Loans, Refinancing Loans, and a Consolidation Credit Card. All of these instruments provide the debtor with one thing relief from the current debt by shrinking it down to a single manageable debt.