Here are a few tips on ways to consolidate debts and payoff credit card balances.

This article covers the basics of non-profit credit counseling agencies. It includes a list of warnings signs to help consumers ascertain if they may be in need of such counseling. It also features detailed information on what to look for in a credit counseling agency and the importance of making an informed decision.

Getting out of debt. How to make the all-important first communications work in your favour. Methods used by the debt management professionals

You don't have to have a professional negotiate your debts for you. Simply gather all of the documents that you have relating to the debt you are negotiating.