Debt Consolidation- How Do You Assess Your Financial Situation? Debt consolidation or debt settlement – this is a question that most people ask themselves when they are in huge debts. When you are assessing your financial situation, you should decide whether to do it on your own or take professional guidance in the matter. If you have all your documents in order and are confident that you can manage all the communication with your creditor on your own, you may proceed with your debt relief program. However, if the whole process seems too overwhelming and you would like guidance in the above field, you may seek the intervention of a…