You must follow certain principles to make your debt consolidation plan work
As a debtor facing a lot of problems in paying your multiple debts and huge interests you might have opted for debt help from some expert agency in the field. Such agency may negotiate with the creditor on your behalf and bring up some useful results for you. Like they may successfully reduce the interests and write off the late fees. However, all their efforts will go down the drains if you fail to pay your dues in time. In fact, sticking to the time schedule is the first and foremost principle you have to follow to make your bill consolidation plan work.
The lower payment worked out takes into account your other living expenses that cannot be dispensed with. Therefore you have no plea of having to spend more than what is calculated unless and until there is some emergent situations. Moreover you will have to agree to pay the dues with your credit card while also promising not to increase your debts in any manner or using your credit card otherwise. Once the creditors come to know that you are adopting a debt consolidation plan they will stop harassing you for payment of their outstanding dues. Even if some persistent creditor calls you, the firm you have engaged will intervene and make the talking for you and you will not be bothered.