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If you decide on a local debt consolidation company, you will still need to verify their procedures and what the services include as well as the fee structure for helping to dissolve you debt. Many people think they can solve their own debt consolidation by transferring balances of higher interest rate credit cards to lower rated cards. The problem with this form of debt consolidation is that they continue to use the other card instead of getting rid of the card and closing the account. Whatever option you choose to use, whether you decide on a national company or a company that is local, debt consolidation should be looked at reasonably and seriously especially if your total credit card debt is over $5,000 dollars. It is very easy to get in over your head before you realize it, but dont wait and put off the decision for seeking help to get rid of the debt. The internet if full of options and companies and you are sure to find one that will fit your needs either on a national level or locally. Don't let your debt stress you and your family out. Seek help today with a company that is local. Debt consolidation will not go away on its own, and definitely not in today's economical strain.