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It is not always better to consolidate the credit cards because there are some situations in which consolidating the credit cards could lead to further increase in the interest rates. Hence there is a great need to consult the expert to the opinion about when to settle credit card debt. The professional selected should be having great level of the experience and also the knowledge in the various fields such as the debt management, credit card consolidation and also the other important issues that will be of great use to the society to come out from the debt situation. When the person is willing to consolidate credit cards, the average interest rates of the overall interest rates should be calculates, this can be achieved using the service of the software that are available easily in the internet. The consolidated interest rate should also be considered, if the consolidated interest rate is lesser than the average then it is better to change to the consolidated interest rate system rather than selecting the conventional method of paying the debts to all the banks separately. The debt help services have to satisfy the needs of the person in debts such that the person will be able to get effective overall results in reducing the debts.