What are your Best Debt Options

So perhaps you have read some articles mentioning about how debt consolidation companies end up making you actually pay more or that it is just a bad idea. What are the positives and negatives regarding debt consolidation practices? What are these “do it yourself type courses” or free debt counseling informative sites all about? What is really your best move to make in the situation you are in?
For arguments sake, lets say a friend once found himself in a bit of a legal situation regarding someone suing him. After he opened up with me about what has happening in the situation, he wondered what he should do. I mentioned that he could represent himself, he laughed, then I said, “With this easy to follow course it will explain the very things you need to know and how to do it.” Hmm, he thought, well he would only have to do 3 hours a night for the next month figuring it all out. Add this to his already very busy life and it is as easy as pie right?
Another situation was thought of, while you’re at it, perhaps forget borrowing from a mortgage company to finance your house. After all, they just make money off of you right? Or just try to finance it yourself or, through other means. Mortgage companies have their place and sure they make money but do provide a service too, just like lawyers. You could even save money by doing home dentistry or medical procedures I suppose.
When you’re dealing with debt consolidation companies, you are dealing with professional credit counselors that can help you in your situation you are in. They work on your behalf to deal with your creditors and help place your bills into an easy to pay monthly bill. They have worked with creditors before, and know what to do given your unique situation. Their services can help you to avoid countless creditor attempts to contact you and harass you, including possibly legal action. They can also help you to avoid bankruptcy which is a position that most never to be faced with. They help to give your financial future a chance again instead of being in complete financial ruin. So if you are considering getting help for your growing debts, don’t forget to consider simply contacting a debt consolidation company and see what they can do for you. It is worth the few minutes to check it out. Most all offer No Obligation consultations, so if for whatever reason you are not satisfied, then no big deal.