Before you take on new debt. Check your credit report

Before you take on new debt.   Check your credit report. Fix anything that is incorrect.

If you are going to take on new debt, transfer debt at better rates, or re-finance your debt you want the best rate possible.

Most importantly, Before you take on new debt.  Just be careful "A loan may help get you by, but you'll want to borrow money at the best rates, according to terms that suit your needs -- and steer clear of bad deals as well as those that look too good to be true. When you're in financial trouble, predators smell opportunity."

There are some great opportunities to restructure your personal finances and debt.

Just use trusted advisors and dont rely on buyer beware. Read the fine print which is usually found right below the small print.