Pros and Cons of Debt Consolidation

The consequences of holding a debt above the head of another far outweighs any earthly thing you can think of. People are not thinking beyond this life.  People don't comprehend what the Lord's prayer is saying. Forgive us our debts as we forgive our debtors is the human saying: God: forgive me of the debt of death when I forgive a debt that a person cannot pay.