Verify the legitimacy of the company
You might be getting telemarketing calls for debt consolidation. There is no harm in getting information through such calls but before you make any final decision, you must ensure the company is legitimate. You can call the Better Business Bureau and see if the organization is registered.
Every debt consolidation company has a proper law office. You may go to your attorney and ask him to check the credibility of that particular law office.
Consult before you enroll in the program
Before you sign up for the program, you must take views of the people who have worked with that organization in past. It will be an ideal scenario if you can find someone who has consolidated his loans through that company.
Do not make a hasty decision and ask as many questions as you want to. Most of the times, the first monthly payment that you will pay to the debt consolidation company will be their program fee and will not go towards the creditors. Therefore, it is imperative that you have complete information about the program, in order to avoid late payments.