We have been thinking about our financial situation for a while and struggling with how to handle it the best.  We were doing just fine up until about three months ago when my husband was laid off from his job.  We started to get a little bit behind on the bills, then a lot behind.  Before we knew it we were more or less buried under all of the bills and could not even make minimum payments.  We started to learn more about Debt Consolidation this week.  It seems like this might possibly be the right choice for us and can help us rebuild.