Debt consolidation is most helpful when a person owes more than $ 10,000 and doesn't stop getting calls from collection agencies. (financegab.com)
You will know this by having received a letter in the mail from the collection agency or you may be getting phone calls from a collection agency trying to collect this debt. (creditinfocenter.com)
It is a stressful time that often sees you scrambling to pay off your debts so that your creditors can be paid back and you can stop receiving calls from collection agencies. (consolidation.creditcard)