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hey everybody john skiba here from the consumer warrior youtube channel well im also a licensed attorney in the state of arizona and in this video im going to talk about debt consolidation does it work is it an effective strategy for getting rid of debt but if this is your first time here in my youtube channel please go ahead click subscribe check on that little bell that way youll be notified each and every week when i put out new videos thatll help you deal with your serious debt problem all right lets talk about debt consolidation im a professional im a bankruptcy attorney i help people build serious debt problems that way but rightly so bankruptcy is usually the last option for most people they look for a you know debt settlement debt consolidation those types of things and i often will get that question should i try a debt consolidation approach before i look at the bankruptcy option now when most people say debt consolidation what i often find is what theyre really discu