There are many reasons why people end up heavily in debt. Illness, layoff or simply bad money management can land people in financial difficulty leaving them with a sense of despair about paying their bills. While there are many nonprofit debt consolidation out there, it can be tricky to wheedle out the sharks from the genuine help. The fees these non-profit debt consolidation companies charge are clear indicators of whether or not their focus is going to be helping you get out of debt, or making money off you while you try.