Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - What should I know about credit consolidation? - I was out of work for a while, and I fell behind on my credit card payments. I'll never be able to make the minimum now, and I've got to do something because the rates will keep going up and they're going to continue to bug me all day about it. I don't want to declare bankruptcy, so I thought about doing credit consolidation. I want to know the consequences of doing this though, so I just wanted to make sure it's really the right thing to do. Any feedback about credit consolidation is appreciated! -