There are more ways than one by which you can reduce monthly payments.
One of the popular methods is debt consolidation, which allows you to
pay only one creditor. All your debt is consolidated and transferred
to one lender whom you pay one monthly payment, which is anyways
easier to manage than having to pay numerous lenders. Debt
consolidation is primarily transferring all accounts to credit cards
with lower interest rates. Lower interest obviously translates into
reduced monthly payments.
http://www.debtsolutionsgrp.com/