Although debt consolidation companies charge a very reasonable amount of fee for their services but still there may also be such worst cases where a person can’t even afford to bear those nominal charges. Even free debt consolidation companies can’t help them out because they offer free service for the first month and rest has to be paid. For such cases, many Christian organization and missionaries run debt consolidation services to help them get out of debt.
You need to contact persons in church and missionaries to get required information about their services. They might even deny you depending on your expense record, but if you are seriously in pathetic situation they would definitely help you. They would provide you the initial help until you stand again on your feet and get ready to pay back the rest.