I have been running a firm doing construction works for the past few years. Now, the business is getting down from the past year, and my financial situation is getting critical. Still, I managed to pay my mortgages regularly, but I don't think I can do it more. My credit cards are maxed, and I'm out of savings. A few of my friends suggested taking advice from debt management services to sort out this problem. I too found many firms providing services for debt consolidation in Toronto. However, I would like to hear from you before making a final decision. Can someone here tell me about the benefits of debt consolidation? Is that a good idea? Please share your thoughts and suggestion on this. It would be a great help to me.