I have a interesting personal experience on consolidation.I did a consolidation a year ago and we dont regret it, but it presents some challenges. the biggest challenge is the fact you no longer have access to your credit cards, they expect you to stop using credit and that is very difficult. however I realized how much we need credit and we were almost addicted to credit, Now we have no option but to live with the cash we got from our proffesional activities and manage the Abstinence sydrom of not having access to credit.It was a wise decisin and now we expect to be debt free en 2 years. that wasnt an expectation before...