So another problem I had was spending. I spent and incurred a lot of debt. Recently my pdoc recommended that I don't work as much ot as I did in order to have some sort of social life. I didn't take into account how much I was in debt. After a month of no ot I had negative money and figured it out yesterday that it was that my debt exceeded my income. I broke down and had no idea what to do. I talked to my friend who recommended debt consolidation. I did some research and found a few companies that were reputable and had some good reviews. They took my info (no social security number was given) and they were able to find all my accounts and give me a quote. The quote given, has me having about 700 dollars left over a month, which is awesome. Has anyone done this before?