Get a copy of your credit report before you decide about debt consolidation journey.The beginning step to fix your debt is knowing where it comes from. Know exactly how much you're in debt and where that money needs to go. You won't know how to restructure finances if you do not sure of these things.Borrowing money can really help you pay your debt. Talk to multiple financial institutions about what interest rates that you could expect to pay. Just make sure you're going to be able to pay off the loan back if you're going to put up your car.Let creditors know you are using a consolidation agency. They may be willing to discuss alternative arrangements with you directly. They aren't aware you are considering other options. It might help if they have information that you're attempting to get control of your finances.Many creditors are willing to help debtors who are trying to pay off their debt.