Debt consolidation?

is debt consolidation good or bad?

Hi Sweetjane, I've heard that if you work with the right financial planners/managers, then it can be okay, but if you are able to negotiate payments and interest rates directly, then of course that is the better way to go. Try calling some specialists and see what they have to say before going down that road. Also, I'd do a bit of research online.

thank you once again!