If you are like a lot of people today and have a high credit card debt, you can get help with banks or corporations that are local. Debt consolidation loans are not as difficult as they used to be, but you dont always have to get a loan through a local debt consolidation bank or finance company. There are other ways that you can seek help from debt consolidation. Some local debt consolidation companies offer credit counseling instead of providing loans. Other options may be available such as checking with your mortgage company even if they are not local. Debt consolidation may be a service that is offered as an equity loan against your property or maybe even a refinance and with a cash-out option with banks that are in the area or that are local. Debt consolidation is not a laughing matter and with todays economy many people are finding themselves in a crunch. You can find help many ways even by searching the internet for local debt consolidation. The search engines will pull various tips and available help options from companies that are national and local. Debt consolidation loans, companies and counseling options can be done by simply entering your zip code or city and state where you reside. The list of companies available to offer help for local debt consolidation should be checked out thoroughly before deciding on the company you want to use. You may not need to check the companies out further if they are local. Debt consolidation companies in other cities or counties nearby should be researched on their services and the procedures. It is recommended that you check and research several companies before proceeding. Fees for their services may depend on the total of your debt and be based on a percentage of the total debt owed.