Debt Consolidation

I am known to be a very careful and pro active person and I like finishing all my works atleast a couple of days earlier and cherish those moments of my success.But there is one thing that I hold up to the very last moment.Its the process of paying all my bills,that is my debt consolidation bills .I allocated one special day with a Bill Day tag to actually pay all my bills .There is not any particular reason for my laziness in this regard,but I like to wait till the last moment to see if any miracle occurs to cancel out the debt on mine.This turned out to be a great problem recently for a friend of mine who follows the same procedure as I do.When he was busy deciding on how to pay back the bills on the Bill day he had completely forgotten the debts in his credit card.They had grown out of proportion and when the day arrived and he was hapy over the fact that he had paid back all his other bills,this representative from the bank was there threatening my friend with a legal notice.My friend never had a plan in place to cover these emergencies and was left with humiliation before others.Debt consolidation is a very important process these days with people actually lending from many sources.Debt relief and Debt help are now being provided by Bills IQ for all those trouble souls in need of guidance.There is a quiz which is aimed at creating awareness and is actually very good.
The site offers numerous other features like credit card debt consolidation etc.