I have seen a lot of debt consolidation commercials, and with the current economic situation I am sure that many people are looking for ways to get their unsecured debt consolidated into one low monthly payment. There are many programs to help you consolidate your unsecured debt.
How a a debt consolidation program works is they take your information and all unsecured debt information from you. Once the company has your information they contact those companies the debt is owed to and work out an agreement with them. The end result is that you are able to make one low monthly payment to the debt consolidation company and they disperse that payment monthly across all the unsecured debt you consolidated into the program. Since you have now consolidated your unsecured debt into one low monthly payment through the debt consolidation program, you are able to live a bit easier knowing that your bills are being caught up without completely breaking your pocket book.
Well I say if you are finally sick of sinking deeper and deeper into debt that maybe you should get some credit counseling soon, it may be the best decision you make to help your family get back onto their feet. I know it was the best decision for me back when I was a new adult with credit cards, why not now as an adult who is just in a rough financial situation?!