Financial planners and debt analysts get paid to do what they do because of their knowledge and experience. Use their recommendations to understand your alternatives and make smart decisions. Consulting a professional debt consultant will most probably result in several options you haven't discovered in your own research and even some debt solutions that you hadn't considered at all. If you are overwhelmed about your financial situation and you're ready to seek debt help, call a professional and listen with your head, not your tense stomach.