Does it really pay to try to combine all your debt and pay all that off at once so that everything is gone and then move forward? What's the best thing to do if a person is thinking about debt consolidation?

So one, debt consolidation is the worst thing for your credit.

All right.

Especially if you're going to a debt consolidation company.

Here's the part that people don't realize with that debt consolidation.

I'm a first start with the company and then I'm going to say if you're doing it just yourself.

Right.

So for me,