If you do not have enough money, your initial reaction perhaps is to look for free debt consolidation advices available from a number of sources. But if you still have some money to shell out, you may consider availing the services of debt consolidation companies. Before availing the service of any company, however, check the background of the company you are considering first. Never settle for anything you see on the company’s official website. Try to check carefully from other sources as some companies are proven to be scamming people only. And that could really worsen your depression over your financial problems. Try checking the feedback of previous clients through online sources, for instance.