Knowing how bill consolidation works can save you thousands or tens of thousands of dollars during a refinance.

When your debts become serious, it's a good idea to let debt consolidation help your financial situation. But how do you find a reputable lender?

Getting out of debt is the second biggest concern for Americans. A recent survey showed only being blown up by International Islamic Radical Terrorists was higher. What was third on the list? Losing weight. Go figure, apparently Stewie Griffin could have told us that. Buried in Bills and debt?

Lower interest rates are available through credit counseling if you qualify. Many major credit card issuers offer to lower your rates and your minimum payments. They require a personal commitment to eliminate debt and keep payments consistent.