For anyone who has been haunted by the worry of how they find enough money every month to service their debts they can be the answer to their prayers. Of course for anyone who is thinking of approaching a bill consolidation service there are some very important points to keep in mind. Just as with any other form of loan every aspect of it needs to be carefully weighed up before going ahead. Of course you wouldn't and neither will the loan companies. They are looking for people to lie to them on their applications and they are very good at spotting the tall tales. They have a lot of practice! So what do you say to them? You tell them how you came to be in arrears with you finance and don't be embarrassed. Without warning we find ourselves in debt and it's well so sudden! Debt is also something that many of us have been told since childhood is a bad thing. And that just adds to our woes. Here we are unexpectedly in a traumatic situation and we get hit by the double whammy of sudden debt and guilt! If you think it will never happen to you don't be too sure. You should also bear in mind that while they might be non profit they still have to pay for their expenses. While they may not have the swanky offices their commercial cousins have they still have to fund their employee's salaries. Or to be more accurate you, their clients will be the one funding it. If you had blindly followed them because you didn't know what you were doing but thought it was safe to do so because others were following them you could have finished up bankrupt. A second important point to keep in mind is to match the risk to the reward regardless of the type of investment. If you are considering a high risk bond for example you need to ensure that the rewards you are being offered are equally high. There are many ways that investors try to work out which way the market or an individual stock will move. They will look at any number of technical indicators that they feel will give them a clue as to what may happen. Of course outside influences can also affect matters. These can happen very rapidly without warning and send prices shooting either up or down and totally confounding the indicators.