When you are over burdened for your loans, your monthly income cannot meet the monthly repayments of loans. In that case you have no other option but to approach to a bill consolidation firm to arrange for a bill consolidation loans. This might be the final resort, but there are numerous such companies who deal with these matters and it is difficult for an individual to judge the best company who will be able to meet is needs at a minimum cost.

In such a situation, a person can take help of a non profit consolidator. Usually having no profit motive, these consolidators help the distressed people with suggestions to come out of this situation. They also guide the debtor with possible cost analysis and the time to be required for getting debt free. 

The consolidator will examine all your debts and arrange for credit card debt consolidation. They will calculate the average interest rate and negotiate with the lenders for a reduced rate of interest. They will also try to renegotiate with the lending agencies to reduce the monthly payment so the debtor can afford. 

Most importantly, they will train the debtor to work according to a budget, do proper counseling so that the debtor can manage his own loans in future without falling in debt traps.

These non profit consolidators try to develop a long term relationship with the debtor so that they can follow up with him in future too.