Here is the case, a friend of mine had gone through tough marital problems last year. Her husband was fired from his work and to deal with frustration he unwisely decided to make a shopping spree using her credit card. Successive problems happened like his husband became alcoholic and to make the story short they ended up into divorce. Now, without realizing it her credit card reached its maximum limit and she has no means of paying them on their due date. She read a free debt consolidation advertisement on the net. They help her find the best credit card debt consolidation scheme and in a matter of months she is now thanking debt relief companies.