NationalDebtRelief.com

The goal is to be free and clear with no debt.
Credit cards are somewhat bad. They make debt. What is best is a bank
debit card.
This way you only spend what you have in your account.
Student loans and mortgages are the main debt people have.
With mortgages if you have 15 years or more on loan you may want to
refinance and
Buy a point interest. This will lower you interest payments. You can
consolidate debt while refinancing.