In this economic downturn, people can easily chalk up a ton of unpaid bills and over time, they could accumulate to a sizable amount of debt.
Good financial sense would be to go for debt consolidation. There are companies out there that can help with this exercise of debt consolidation, and non-profit too. What they do is to consolidate peoples unsecured debt into one low monthly payment. This makes the debt more manageable and easier to pay off.
Non-profit credit counseling and financial education service is also available for individuals and families from all walks of life. They will analyze your true financial situation; assist you with getting your finances under control with their credit counseling program; teach you budgeting techniques, and more.