First, make sure that a debt consolidation service is what you need. Do you own your home and have equity? If so, maybe a debt consolidation loan or refinance would be right for you. Evaluate your priorities: is a low monthly payment the most important factor? If so, debt settlement might be your best option. Afraid of collection calls or your credit score impact? In that situation, credit counseling could be your optimal debt consolidation service. And finally, you need to research the debt consolidation service at various consumer protection offices, including the Better Business Bureau (BBB). This will give you an idea how honest and reliable their services really are. Fortunately, Bills.com has evaluated many debt consolidation services providers and can match you with a pre-approved provider, if you apply though the savings center above.