The creditors who have loaned you money in the past may seem like they are your friends, but they are not. They seek only to make as much money as they possible can from you and then move on to the next person. It is not exactly criminal what they are doing, it is just part of doing business. However, you have to want them to do business with someone else and leave you alone. The best thing to do is look to a company like National Debt Relief for help consolidating debts and getting the best possible payment. A consolidation process puts you back in control and allows you the chance to get things straightened out in ways that you may not have realized where possible. Just because you are in debt now does not mean it always has to be this way. Consider your options and work with a company that cares.