You have decided it is time for a financial tune up because debt is becoming too much of a burden, and coping with the payments has become not only a struggle, but a matter of urgency.
There are a number of things you can do in your situation, but sitting back and doing nothing is absolutely not going to be on the agenda.
So here is a little bit of free advice for you, now that you have begun your search for the best agency to consolidate you debts.
In this respect if you can get a consolidation loan for very little cost to you, then this is all the better.
This can be done by tracking down all the non-profit debt consolidatory services or agents in your state or city.
The great thing about these types of organization is that the services are usually backed by the government and financial institutions - if you qualify for this type of service you will find that you will get all the help you need for free or very minimal cost to you.
Don't be put off if you do not qualify for this service, it does have a very strict criteria usually down to your level of debt, employment status and many other factors including health and family.
The next stage if you do not qualify for free services of the non-profit organizations will be to seek out a debt consolidation agency that can provide help at minimal cost to you.
These services must follow strict guidelines also.
Any good and honest agency will provide a low cost service and consolidation loans with low interest - they must bring your monthly payments down to well below what you are paying out now.
They will be backed by financial regulations and authorities, plus they will be registered with institutions such as the Better business Bureau.
They should also not provide any advice or services for an upfront fee - avoid services that charge before you get help at all costs.
You will find all the information you need with a quick online search for agencies in your state.
Even visit your bank, as they will know the best places locally to get help.