Debt consolidators working overtime

As more Americans suffer from overstretched budgets, job losses, and being underwater on mortgages, ads for debt consolidation abounds.  It seems like a good deal, but should you take advantage of it if you’re having trouble paying bills?

You have some option that don’t require hefty fees.
First, check with a nonprofit consumer credit counseling service. Or, if it’s the mortgage payment that’s bogging you down, contact your lender. You can also try a local housing counselor from the US Department of Housing and Urban Development–

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