Again, even with the
convenience it will bring you, try to avoid consolidating your debts as much as
possible. Before considering it as an option, try to negotiate with your
creditors first. If you are not yet too far behind on payments, try talking to
your creditors first and see if you can ask for a lower interest rate on your
debts. Most creditors would rather cut down on their interest rates than risk
not getting paid. Make sure that you explain your reasons clearly, and make it
clear that you do want to pay off your debt. Never ever threaten your creditors.
