One day I got the dreadful letter. I have been laid off temporarily. True I will be paid something every month but that is not enough to keep me going the same way I did. I cannot tell my children to tighten their belts. Without knowing what to do I was perturbed a lot. One fine day one of my friends brought the good news.

I am going to get my job back? No. He told me about the website from where I could get the best advice on what to do. I hit the first link and ended up on a page which reminded me of a lot of good practices. That was good but that was not sufficient for me to get out of debt .  Then I went to the other two places. They gave me advice on how to find one of those debt consolidation companies . Also they gave me free debt consolidation advice.