consolidating

[katieroo]

I have a lot of different collection agency s, doctors offices, a propane company and a mattress company that we owe money to, I have no idea where to start on paying them off! does anyone know how i can get it all together to make one payment to all of them? i have no credit and obviously DH has bad credit so a loan is an option? help I'm am in over my head

[AAK]

Have you tried talking to one of the credit counseling services (the free ones that are actually helpful). They have ways of doing stuff like that, they can also often negotiate lower interest rates for you and help you come up with a plan. I have heard that if you get them involved, other companies become more flexible because they know that they will have a better chance at getting paid.

Amy