If you want, you can try some free debt consolidation advices that you can apply on your situation. However, do not expect that each advice would work on your situation. Or better yet, try to seek the help of financial experts through debt consolidation companies. In finding the company that would help you, however, you should conduct first a background check to see if their track record shows that they have the ability to help you out. Remember that you are going to pay them, so better make sure that they could really help you get out of your financial woe. Try searching online for the debt consolidation companies that would help you.