If you have looked in your area as you drive around, you have probably not seen a store front that offers debt consolidation. These businesses cater to certain individuals so you need to know where to look if the time comes where you need this service. Local listings can be a beginning and the phone book will have a list that you can pick from.
Friends and neighbors might be able to steer you in the right direction or someone from your church too might offer a reference. Even if they have not used someone close to you, they will probably give some insights to their experience that could help you make your choice.
Online you will find a wide variety that go from small companies with a few employees to the large, multi state businesses. While you are online, you are able to compare services and that can be done quickly by visiting their web sites. Some site offer customer reviews and options that they offer. The Better Business Bureau is always a good place to check for complaints filed against a company. Take time to research and be safe with your finances.