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I only make a certain amount of money each month. That’s why I am having such a hard time paying down some of these bills that have piled up since last year. My friends are telling me that the best thing to do right now would be credit consolidation since that would lessen the amount that I owe and limit my monthly responsibility. I think that they are right and that I should have a discussion with a consolidation company about my options. I have heard that consolidating your credit card debt can actually help you to repair your credit and get your finances straightened out. I should look into this and at least call the consolidation expert on the phone for a short discussion about what I could do. There is a good chance that I would qualify and be able to consolidate what I owe to the credit cards.