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There is a difference in having a lot of debts and being way over your head in debt. Debt consolidation can make life easier for a lot of people, but for others, it could literally mean the difference between financial disaster and survival.

There are several warning signs that your debt is out of control, just ask yourself a few simple questions. Do I have to keep juggling bills every month? Do I frequently bounce checks? Are creditors calling my home? Has my savings account been emptied? Do I have to charge everyday items on a credit card because there’s no money left to pay for them?

If you’ve answered yes to several of these questions, then you’re a prime candidate for debt Consolidation. While it might not be the best option for someone who occasionally has problems with money, if it’s a constant problem every month, then you definitely need help.

There is no shame in using debt consolidation to get out of a financial hardship. In fact, it’s just the opposite. By choosing to consolidate your debts, you’re honoring your agreement to pay off your debts in full. You’re not backing out of your obligations, you’re just rearranging them so that you are better able to meet them.