Another great idea is to not borrow from a bank to finance your house. After all, they just make money off of you right, with their high interest rates and all. Why not try to finance it yourself, or just save enough money to purchase it outright. Well sure if you're in a position to do so, but lets face it, banking and Mortgage Companies provide a valuable service. Services which I am sure you are happy with and trust their expertise in their area. This goes along with doctors and dentists too. I suppose you could learn to do these things yourself but sometimes the professional services of others are worth it for the time it takes to do it yourself and learn to ropes. Much is the same when you are dealing with a professional debt settlement/consolidation company. They know the best way to deal with your creditors and help your financial situation. They have worked with many creditors before, and know what to do given your unique financial circumstances. Their specialized highly skilled services can help you get out of countless creditor attempts to harass you, even threaten you including potential legal proceedings. They are also very helpful in preventing bankruptcy, that is a situation most never want to be involved in. Debt Consolidation can help rebuild your financial future instead of ending you up in court and financial ruin. Most all provide a no obligation consultation. So if you don't like what they can do for you, you can consider other options.