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If you're one of the many millions of people struggling under the weight of credit card debt, consolidation may be an answer. Find out why and how to do it.

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Debt consolidation is often touted as a quick and easy solution to your money worries. While it can certainly work out like that, it's not the right option for everybody and can easily make a bad financial situation much, much worse.

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If you get into difficulties with money it can leave your finances in a mess with effects far into the future. Is credit still an option under these circumstances?

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Not everyone has a credit score good enough to get a loan from a mainstream lender. Where can you go if this applies to you?

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These days, even people with good credit ratings are finding it more difficult to get a loan. What's the situation if your credit score is poor?

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Declaring bankruptcy will always result in the destruction of your credit rating for a period of years. Is it ever possible to get a loan again after going bankrupt?

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