As with most any product or service, debt consolidation professionals are now available on-line. While, whenever possible, we would still urge that borrowers consult with their debt consolidation specialists face to face - levels of trust and comfort are so important in building a successful relationship both for the reduction of current debt and a foundation of debt management for the future - we also recognize that people with harrowing work schedules or transportation problems or residency in a part of the country without financial services might not have easy access to debt consolidation companies.