The others beat me to it! Check out the book The Total Money Makeover by Dave Ramsey, from your library. Most debt consolidation companies are a scam. There is nothing, I mean NOTHING, that they can do for you that you can't do yourself. They will take your money, your debts won't get paid and you will have even more problems, I promise. Read the book, join the group on here (Dave Ramsey Fans), ask questions, get your finances straight- the book will help you with that. You can negotiate with your creditors yourself.
at 11:11 AM on Mar. 26, 2009