Use the directory on the right to choose what you want to do. To consolidate
     debts, you have a couple of options. You can get a debt consolidation loan
     or you can enter into a program to consolidate your debts. If you think that
     you have gone pass the point of no return, have a look at the bankruptcy
     page. You can learn whether or not bankruptcy is right for you and some 
     other options. A debt consolidation loan is one option. You get a loan that
     pays off your current indebtedness and hopefully a lump sum monthly
     payment that you can live with. A debt consolidation 'program' can help
     you consolidate debts without having to get yet another loan. They have
     ways to lower your monthly payments on the debts that you already have.