What can a debt consolidation company do for me that I can’t do for myself?  I’m a smart person who got into some financial problems when my interest rates were raised and my hours were cut back at work.  I don’t know that any company can do more for me than I can do on my own.  What would I be paying a debt consolidation company for?  I’d like to hear about the benefits of paying for a service that I’m pretty sure I could handle myself.