Contributed by Rachel Johnson
Your personal bank is a good starting place. Many banks realize that their patrons need financial services, and they'll provide financial advice, debt consolidation, and future financial planning. It's easy to get the answers you need from your bank, they can easily get a feel for how much you can afford, and go from there.
If your bank does not offer debt consolidation, your yellow pages will be very helpful. Looking under "debt" or "financial services" will lead you in the right direction. Chances are, you have a debt consolidation expert in your area that is just waiting for your call.
If you'd rather not deal with the yellow pages, the internet is an awesome resource for debt consolidation. Many consolidation specialists have applications and detailed information available right on their website, to make the experience fast, painless, and easy.
The longer you wait to consolidate your debt, the worse your situation will become. If you confront your debt head on right now, it will be a lot easier to deal with. And, in the long run, your credit will be better! Don't let your credit card companies report one more late payment, consolidate today!