Can someone please help me fix any grammatical errors?

A lot of people are in debt at the moment and they need help paying their bills off. It doesn’t help that credit card companies have high interest rates. You may forget to pay your bill one day, and the next day you’ll see that the company increased the interest rate a whole bunch. Paying your bills becomes almost impossible. Paying off debts results in a long process and credit card companies make more money off of you. People are turning to debt consolidation which turns multiple debts into one, with a manageable interest rate and monthly payment. The company basically comes up with a plan for the client after yzing their financial situation, debt-to-income ratio, and other factors. The clients can keep track of transactions and balances online. Clients should then pay off their bills whenever they are in the financial position to do so. Hopefully they can pay off all their debts.