If you're having a lot of debt and debt may seem like a problem that you can't handle, then several options are there for you. Debt consolidation is a viable option to eliminate financial woes and attain financial freedom. Many debt management companies offer debt consolidation program for debt stricken consumers. You can get affordable monthly payment while consolidating your debts. But you are required to acquire necessary information before enrolling with a debt consolidation program. The foremost thing that you need to check in a debt counseling agency do participate in the Better Business Bureau program or not. The BBB is a consumer watch dog organization created to protect you.