Not all people who are in bad debts will readily call help. Like me I am at first shy and don’t really know what will I say to them. So, do you ever wonder what the debt relief companies will tell you if you sought their help? Here are few of the things they will likely say to plan for your credit card debt consolidation. First you have to fill up a free debt consolidation form so that they can at first glance assess your current financial difficulties. If it is beyond negotiable, professionals from debt relief companies will suggest getting a loan to pay all your credit card debt if possible especially those with high interest.