interested in debt consolidation but dont know where to start?

[zarayray10]

i am interested in having my monthly credit card payments put into one payment per month. i was very close to trying this but backed out at the last minute out of fear of being screwed over by a debt consolidation company. can someone explain how these companies work? has anyone ever used one? is it helpful?do u pay the debt consolidation company a seperate fee? or do they include that within ur consolidated payment? ------

[sweetbjbj]

Debt consolidation is the bad things. It will be hard for you to get check again. Call the credit companies, this is the best time because they wanted what they can get. look on line for example of debt settlement letters. Next get the balance on the accounts and make a offer to them and set up the settlement payment. that looks better. Start with one card at a time. ------

[safexiaoyi]

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