It is virtually impossible to describe the pain and suffering that extreme debt levels have on individuals and their families alike. For that reason, it is important for anyone dealing with that reality to gain some education on the topic of debt consolidation. The information presented below is intended to help such individuals assess their options with eyes wide open.Check your credit report. You need to fully understand how you got into this mess to begin with. Checking all three reports regularly can keep you from disastrous financial choices...