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As America's consumer debt grows, more debt consolidation and debt settlement companies flourish in the debt-relief market. Debt consolidation companies provide loans for debtors to pay off combined debt balances. Debt settlement involves an aggressive approach toward creditors in handling the consumer's debt problems. If you are considering a new loan to easy your immediate cash problems, consider debt settlement instead to reduce your debts and increase your available cash. If you are a first time home buyer without equity, it may be difficult to get a loan. First time buyers should understand that taking on a mortgage is one of the most important decisions you make in your life, and that the corresponding financial obligations are often steep. First time buyers often make the mistake of taking the first home loan offered to them, and this is why so many homeowners are filing bankruptcy, and are experiencing foreclosure and repossession.