When trying to pay debt off, you have two options.

When trying to pay debt off, you have two options. Option one is to pay off the smallest debts first. The second option is to pay the highest interest rates off first. Both options have their own set of benefits, so choose the option that works for you and begin getting out of debt today.

Ensure that you're working with a reputable debt consolidation firm and the counselors are certified. You need to check with the NFCC in order to find good companies that hire reputable counselors. This way you can have peace of mind knowing that you're making the right decision and the people are there to help.

Ask how the debt consolidation counselors are paid. A reputable credit counselor is paid a salary; however, there are many companies that pay through commission. This type of pay should be avoided because the counselors may be swayed by the amount of commission they will make off of your debt consolidation.

Personalization should be used by debt consolidation companies. If the people you work with aren't interested in your financial situation and don't ask questions on how you see yourself getting out of debt, then immediately look for another company. Find a debt consolidation counselor who will take the time to find a strategy adapted to your situation.