Sometimes debt consolidation can refer to the consolidation of several debts into one, monthly payment through a debt relief program including a debt management plan, debt settlement program or consumer proposal. (hoyes.com)
You can even ask for many quotes from several debt consolidation services for free. (debtfirms.com)
I also investigated several debt relief companies, and ended up going with one who's customer base was overwhelmingly positive in their online community. (mymoneycounselor.com)