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I ran across the site Debt Consolidation Care recently and was quite impressed by the service that they provide. Unlike other debt consolidation services, they’ve added a community (aka forum) on their site where members can discuss and share anything and everything about debt. With 94,000 members, there’s bound to be someone who can help answer your question.

The forum includes topics such as Debt Consolidation and Settlement, Payday Loan Help, Dealing with Collection Agencies all neatly separated into its own section. Each section has its own members that are very active and helpful about discussing with you about the section’s subject. For example, the collection agency forum not only has discussions from people who are dealing with collection agencies but also information about the industry so you can learn about how these companies work.

Of course they would like to help you by offering their services to you. They claim that you can lower your monthly payments, reduce interest rate, waive late fees, eliminate collection calls, avoid bankruptcy, and become debt free by working with them. With a free consultation, this sounds like a great option if you are in financial trouble!