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Does anyone know of any good debt consolidation banks?

Best answer from question by Amanda:

Answer by Brandon
Practically any type of loan can be wrapped into the debt consolidation process. Common types include finance charges, late fees and overdraft charges, credit cards, personal loans, utility bills, medical bills, car loans, store cards, gas cards and back taxes.

http://www.worldbestloans.com/Loan-Consolidation.htm

Unlike bankruptcy, in which debts are cancelled and your credit rating collapses completely, debt consolidation loans are essentially a type of refinancing, where several old loans are replaced with a new one that has more favorable terms.

The Role of Banks in Monitoring Firms: The Case of the Credit Mobilier (Routledge Explorations in Economic History)

This book addresses issues in the current literature on corporate finance using historical evidence. In particular it looks at the role of universal banks in relaxing the credit constraints of firms, supervising managers and stabilizing share prices. The key issues is whether the Anglo-American asset based financing is more efective than the main-bank approach used in Germany and Japan. Earlier studies have found that firms with a close relationship with a major bank have high market value compa More >>

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Who are the financiers or financial institution that provides loans / credit lines to banks?

Best answer from question by Elen:

Answer by RobertG
The Federal Reserve in the United States.
That is why loan terms and interest paid on principal changes when they change it.