A good firm does not aim at taking your advantage. Instead, they help you get the best value of your money. Lenders charging extremely high rates should always be avoided. If you are not sure, you can always look for financial advice. There are a number of counselors who are happy to help you decide the best suitable firm for you. Consolidation is a kind of refinancing, therefore one must look for lenders offering low rate of interest. Before getting in an agreement with one of these companies, one must make sure that he can manage such finances. Otherwise, instead of freeing yourself from debts, you might fall deeper into the pit.