Are most debt relief programs available to find freedom. Debt consolidation loans are what most people will think about first when they come to the conclusion their in a unforgiving debt situation. However this debt solution will entail that you put up a possession for collateral. In numerous instances this will be a home. So for people who don’t have a home this option won’t be of aide to you. And moreover you can jeopardize your home by doing this, because if you default on the loan you could lose your house.