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Also, debt consolidation firms usually secure the loan against your home.

This could mean you lose your home if you fail to keep up payments.

Follow our tips to start to reduce the amount you owe and gradually regain control of your finances.

You wouldn't keep your cash in five separate bank accounts. Keep one card in your purse - the one with the lowest interest rate - and cut up the others.

These firms can also charge high fees, and their involvement may affect your credit rating.