You’re swamped in bills and the tedium of writing two dozen checks every month is not only giving you a headache, it’s damaging your family relationships. The telephone calls and the threatening letters were bad enough, but last week an obnoxious kid from a collection agency actually rang the doorbell and yelled in your face! After listening to your lengthy appeal at work, your boss turned down your request for a big raise but did say he thinks you’d benefit from debt consolidation. Debt consolidation? It sounds promising, but if you can’t even balance a checkbook how would you possibly go about achieving such a convoluted financial process? A variety of helpful companies exists, and they all claim to offer some variety of debt consolidation help. Some charge fees, some don’t; some are on the internet, one’s right down the street; some are specialized, but even your bank has a debt consolidation loan officer. How are you supposed to pick from all that? For most people, the best alternative is to locate a non-profit, accredited counseling organization. If possible, pick one that is nationally affiliated with a reputable credit foundation, and pick one that is physically located in your town. No choice is entirely free of risk, but speaking with a certified credit counselor working for an accredited counseling organization will make successful debt elimination a lot more likely. As with any professional service, you can expect to pay a nominal fee. The services rendered will likely make the modest fee seem like the best money you ever spent.