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Most of us have debt. We may have a mortgage, a car loan, and many different credit cards. We may even owe on a time payment for household appliances or furniture. Some people have hospital bills and others have student loans. Debt accumulates every month and interest rates on unsecured debt, such as that which is accumulated on credit cards, tends to be very high. Debt consolidation methods are as varied as the reasons why people choose to combine their debt. In some cases, when people can no longer make the minimum payments on their monthly bills, or are barely making these payments, they may choose to file Chapter 13 Bankruptcy. Chapter 13 Bankruptcy not only consolidates debt, but it staves off any collectors and eliminates interest payments. Debt consolidation is usually a practical way to combine all of the money that you owe into one sum and make only one payment each month instead of several. For whatever reason you decide to consolidate your debt, in most cases, it is convenient and financially prudent.