Debt consolidation services are helpful when your debt is out of control. However, it might not be to that point yet. You need to figure out if you can manage your debts on your own, which usually means that you can afford to pay off your minimum payments and a substantial amount of monthly principal pay down as well. Typically, this excercise of evaluation if debt consolidation services are right for you starts with budgeting. Bills.com has a free budget guide if you want a budget tool to start with. If you determine that your cash flow is not enough to get debt free on your own, or if you are only making minimum payments, then that is usually when you want to seek help from a debt consolidation services provider. Get a free debt quote from bills.com here: Debt Consolidation Quote.