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I owe on 3 credit cards. One is starting to fall behind on the payments as its too much to pay. Which route is the way to go? Debt consolidation or contacting creditors & explaining that I was living beyond my means & now I am having trouble paying.
On the [...]

Should I go to a debt consolidation company or work it out amongst myself?

If I let my cards slip for a while I don’t know how much they’ve hurt my credit. I need credit card debt consolidation, will they accept me if my credit cards have been beating up my credit a little in the last month or 2?

Will any debt consolidation company include secured debts like cars and educational loans into the program?
Is it uncommon, does anyone know of one?

What is a good debt consolidation company that will negotiate what you owe by negotiating with the creditor, and then you owe less than before to each creditor, but you owe them for one big new loan , to them for paying your debts?
So they are getting your debts down by negotiating and then give [...]

Hello All member,
I am taking into consideration Debt Consolidation. Where the finest is consigning to start?
Please share your answer here.

I want to get a debt consolidation loan, WITHOUT using my home equity, but they are telling me my credit score is great, but by ratio is too high. Well, I want to consolidate all the CC debt I have, but it’s running me in circles. What’s the point of trying to get [...]

Also, can a revolving line of credit (it’s also a atm card) be included in a debt consolidation? And can I choose to leave out a loan or specific credit card where I have 0%?

I am trying to consolidate my credit card debt because the payments are too high each month. If I could get a home loan this would be perfect. I am having difficulty making all the payments and I don’t want to completely ruin my credit. Any reliable consolidation advice would be apprecitated!

Can you refer me to a good debt consolidation company?
I have heard there are a lot of rip off debt consolidation companies out there, and I am just looking for one that maybe you have had a good experience with. If you could give me some suggestions, that would be great! Thank you!