1. Debt consolidation is bad!
To get started here, first of all, almost every one of these debt consolidation companies you see floating around are scams, that just want to take your money for a problem you can fix yourself. Why do they do this, well I am sure you can answer that for yourself, and if you can't here is the reason. With money comes greed and with greed comes crooks. This should all be obvious of course, I am not telling fixing your debt is a bad thing but taking out a consolidation loan or a second mortgage is not the way to go. I will be, in the next few pages be giving you the way to truly stop your debt, no strings attached, you don't have to buy some silly e-book or any of that. I am doing this because I myself have known a lot of people who have had their lives ruined by these so called "debt fixer uppers".