Ridding-Off from Debts

Most of my office mates wanted to have their own credit cards and to some is the opposite- they want their cards to be cut- off already. Having credits of my own has its own pros and cons. I found it so helpful in times of emergency cases and its cons when you cannot help yourself from being impulsive that leads you be drowned in debts. This is the usual problem among those people who usually spends their cards so unwisely. They love to spend and spend it as long as it does not exceed their credit limit, and when the billing statements received and time to pay it off- oh my! this is the only time that they will notice that their problem arises.

I guess almost of these people would love to opt for a debt consolidation that would truly help them get out of drowning debts. Not just a debt but also a credit consolidation as well would take place in here. There would be a debt negotiation too as to gathering all the kinds of loans, credit cards, liabilities and etc be rolled into one account under a one standard low interest rate. Is it not nice that they will be there to help and educate people about getting rid-off from debts?