If you are in debt don’t worry. Life does not end if you are in debt. There are millions of people in debt today. Does life end for them? Absolutely not! But henceforth you will have to be a little more careful with your finances. You need to prioritize your needs and spend only on the ones you can’t live without - till you get out of debt.

Today there are many FREE debt consolidation companies to help you be debt free. They negotiate with your creditors and reduce your debt by upto 57%. In some of the cases the reduction can be even more. To save you time, we have listed a few top free debt consolidation companies. These companies have helped over 10 million people get out of debt. They provide absolutely free debt consolidation.

• CareOneCredit - With CareOne you can reduce your bill payments upto 57%. You will also consolidate your debts into one easy payment, lower your monthly payments, reduce interest rates, waive late fees, eliminate collection calls and enjoy a normal life without debt. Great customer care - AICCA Standards. CareOne service have helped over 4.5 million people overcome debt. Better Business Bureau (BBB) Accredited. Member of CESI - Consumer Education Services, Inc.

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• Credit Com - With them you reduce your debts by up to 50%. Lower your monthly payment. Regain financial control and piece of mind and be debt free in as little as 12-48 months. Founded by consumer advocates and credit experts, they help people make smarter financial decisions by providing free interactive tools, education, and unbiased comparisons of quality financial products and services. The company is a member of various consumer organizations. They have got many awards too. Some of the recent awards are: Top 10 Finance Web Sites – Fast Company, February 2010, 20 Best Money Web Sites – Money Magazine (CNNMoney.com), February 2010 and Best of Show Award - Finovate, 2009.

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