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It really depends a lot on your situation.

Are you drowning in debt like:

Are you behind in many of your bills (like more than 30 days) and your creditors are calling you?

Or do you just don't have any money left over when you finished paying your bills.

I was in both situations and I was tempted in finding some sort of outfit to consolidate my debts. However, I decided to live like a ground hog for a like 18 months.

In the meantime, I cleared up a lot of junk on my credit report. And today, I have access to low and lower interest credit and it has been a snap to pay my bills.

But it really depends on your situation.

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