A credit company or bank will be able to give you debt consolidation help
(http://www.creditsalvage.co.za/services.html). If you feel you are drowning in debt in may be time to get help with debt consolidation. Debt consolidation help will enable you take all your debt and put it under one loan making repayments easier. Every bank or credit company has their own rate of interest and it is up to you to decide whether or not you can afford it. It is advisable to get debt consolidation help from a reputatable debt consolidation company. Good debt consolidation will help you save hundreds if not thousands!