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Bad credit is one of the worst problems to have. however there exists a solution.i will hereby talk from my personal experience.i did debt consolidation a couple of years ago, however if i had to do it again i would pay to some minor details,if someone wants to get out of debt today it is easy with a debt consolidation plan, however it may get a bit tricky at times, i suggest you get as much information as possible online on this first,a nice place to start in my humble opinion is a straight to the point ebook with question and answer i found :http://umgarticles.atspace.com/debt-consolidation.htmif it helps kindly remember me in your voting!.. cheers!