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This led us on a quest to see whether or not debt consolidation was worth it.

Read more: These programs can help erase your student loan debt Debt consolidation is when you combine multiple debts into one debt, primarily so that you can lower the interest rate for all the debts that you previously held.

Their debt management plans can help you get back on track -- but they can also be unnecessary and even detrimental when done through a poorly run organization or for the wrong reasons. These agencies do not make loans, nor do they settle debts.

With a debt management plan, you make one payment to the credit counseling agency, which distributes the money to your creditors until they are paid in full.

The reason why I think this was effective for us was because we knew we had the resources to pay it off quickly, and were planning on paying the debt off sooner than the terms of our arrangement.

So in the end, borrowing money from this person actually strengthened our relationship with this family member, because we proved that we were trustworthy by paying our loan in full ahead of schedule.

Even if they are members of such organizations, though, be picky. So while the agencies and employees vary, the plans are all structured the same way: Your counselor determines how much it will take to pay your creditors in full in three to five years.

The agency should be organized, send payments and statements on time and offer strong consumer education and support. The payment is usually around 2.5 percent of the total debt, though in hardship situations, there is some wiggle room. Why consolidate bills if you can't pay for basic expenses or if there are better alternatives?

It’s also important when considering debt consolidation that you are certain you’re working with a reputable, well-known company.

When my wife and I were in debt, we were researching every way possible to get out of it and to do so quickly.

The stress from carrying all the debt was so overwhelming that we were motivated to take whatever actions were necessary to eliminate our debt in a short period of time.

They do this by charging origination fees for consolidating the debt, and some of them even roll in 0% interest debt that you end up paying interest on when it’s consolidated.

Also, some debt consolidation companies are not debt consolidation companies at all.

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