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CA residents: Opportunity Financial, LLC is licensed by the Commissioner of Business Oversight (California Finance Lenders License No. 603 K647).
DE residents: Opportunity Financial, LLC is licensed by the Delaware State Bank Commissioner, License No. 013016, expiring December 31, 2016.
Debt consolidation is a form of debt refinancing that entails taking out one loan to pay off many others.  This commonly refers to a personal finance process of individuals addressing high consumer debt but occasionally refers to a country's fiscal approach to corporate debt or Government debt .  The process can secure a lower overall interest rate to the entire debt load and provide the convenience of servicing only one loan. 
Debt generally refers to money owed by one party, the debtor , to a second party, the creditor . It is generally subject to repayments of principal and interest .  Interest is the fee charged by the creditor to the debtor , generally calculated as a percentage of the principal sum per year known as an interest rate and generally paid periodically at intervals, such as monthly. Debt can be secured with collateral or unsecured .
Although there is variation from country to country and even in regions within country, consumer debt is primarily made up of home loans , credit card debt and car loans . Household debt is the consumer debt of the adults in the household plus the mortgage , if applicable. In many countries, especially the United States and the United Kingdom, student loans can be a significant portion of debt but are usually regulated differently than other debt.  The overall debt can reach the point where a debtor is in danger of bankruptcy , insolvency , or other fiscal emergency.  Options available to overburdened debtors include credit counseling and personal bankruptcy .Tags: ace, loans, ga,