If you are in debt, do not fret because there are debt solutions available out there that will work for you.  You have probably received an email or a phone call from somebody that offered to consolidate your debt, and these services go as far as telling you to not pay any of your bills.  Some of these services say, do not pay for any of your bills, we will start to negotiate for you, and some of them just work with you to create a plan to see if it works.

Not all debt solution consolidation services are created equal.  We recommend checking the debt solutions company with your Better Business Bureau if they call you up.  If they are not registered with the Better Business Bureau, find someone else to work with. There are hundreds and thousands of other companies out there.

The other thing is within the company, there are a lot of counselors – and not all counselors are created equally.  Similar to conducting a job interview, interview the job counselor that you are going to be working with first.

The counselors are going to be working within a system or their company, but again, some people are more helpful than others.  So when you are coming up with a debt solution and you want to use a consolidation service, shop around.  Even if you have made your decision on the service, it would not hurt to shop around some more and look for the right counselor that will work with you.  Make sure that the person you choose is going to give you the best service and the appropriate amount of coaching, and that he or she will ensure you understand all the implications of doing consolidation services as a debt solution before you begin.