money management debt consolidation

Debt Consolidation Loans?

I was wondering if anyone knows which companies offer the best debt consolidation loans. I would like to consolidate my credit cards and my vehicle loan if possible. I have done some research online but have only found a few companies that offer debt consolidation loans and I am not sure who would be best to go with. I am not behind on my payments and do not need credit counseling debt management. I do have a lot of debt though and would like to consolidate into one monthly payment to help save interest and to save a little money each month.

Why get a debt consolidation loan? These companies don’t do this for free you know. How sure are you that the first couple of payments you send them are actually going to pay off your debt, instead of there pockets? My advice to you is get a part time job and pay down your debt that way. Atleast you know where the money is going and its free!!!