For many families, credit card debt is a huge source of stress, and when the bills keep piling up, it might seem like there’s no way out. But before you lose hope, you may qualify for debt consolidation. Consumer Reports breaks down how it works, how it helps families, and what to know before you sign up.

Before you look into consolidating your debt, keep in mind that many people eager to get out of debt are being targeted by scams, which can make a tough situation even worse. Be careful with companies that communicate to you out of the blue, pressure you into making a quick decision, or even ask for money up front. Legitimate debt relief agencies don’t do that.

By law, if they sell debt services over the phone, they’re not allowed to charge you upfront before lowering or settling your d

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