Video on Free Online Debt Help Community by Michael Bovee
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Is debt consolidation good for you?

Debt consolidation may be a good choice for you when you're unable to manage multiple debts and make several payments each month. A Debt consolidation program is a popular debt plan to replace your multiple bills with one easy and affordable monthly payment. It helps you pay off debt at a more affordable, predictable pace. Debt consolidation makes the debt repayment process easier and faster. Debt consolidation enables debtors to pay less each month and save money. Learn about the 8 benefits you can take advantage of when you consolidate debt.

How much to save by consolidation
Amount you can pay monthly on your debts.


5 Ways to pay off debt and establish a solid financial footing

Have a look at the 5 ways to pay off debt that can lead you to a more comfortable financial life.

  1. Interest rate arbitration: This is where you obtain a secured loan at a low or favorable interest rate to pay off your existing unsecured debts. It helps you manage debts by reducing your interest rates and monthly payments.
    Interest rate arbitration pros
    • Interest rate reduction
    • Lower monthly payments
    • Gradual increase in your credit score
  2. Debt management: This is where you get debt counseling and advice from debt counselors. They help you plan your budget, and negotiate with your creditors to lower your interest rates.
    Debt management pros
    • Lower interest rates
    • Elimination of late fees and penalties
    • One easy monthly payment
  3. Debt settlement: In this debt plan, the settlement company/law firm checks your financial health first. Thereafter, they create a trust account for you and negotiate with your creditors/collectors to settle debt.
    Debt settlement pros
    • Lower payoff amount
    • Lower interest rate
  4. Chapter 13 bankruptcy: This is where you can discharge your debts in a period of 3-5 years under supervision of the court. Chapter 13 is favorable for those debtors who want to keep their properties, and have a regular source of income. This is also known as a wage-earner's plan.
    Chapter 13 bankruptcy pros
    • Interest rates are lowered
    • Principal amount is reduced
    • No need to sell assets and properties for debt repayment
  5. Chapter 7 bankruptcy: This is where your non-exempt assets are sold by the court-appointed trustee. The sale proceeds are used to pay off your debts. You can discharge your debts within a period of 3-4 months.
    Chapter 7 bankruptcy pros
    • Interest rate is reduced
    • Reduced outstanding balance

Debt consolidation - How it works

Here's an example of how debt consolidation works:

Suppose you have accumulated debt on 2 credit cards, as well as medical bills and a personal loan. The details of these accounts are:


Outstanding balance on credit card X (15%) - $15000
Outstanding balance on credit card Y (20%) - $12000
Amount you owe on medical bills (13%) - $13000


So, the average interest rate = (15% + 20% + 13%)/3 = 16%


After you enroll in a consolidation program, the interest rates on your debts are negotiated down to:

Credit card X - 10%
Credit card Y - 16%
Medical bill - 10%

So, the average interest rate = (10% + 16% + 10%)/3 = 12%


Now if your total debt amount is $40000, you'll save = (16% - 12%) * 40000 = $1600 per year

Debt consolidation solutions for people with various debt problems

  1. People who are going through payday loan hell
    Payday loan consolidation: An option for those debtors who are unable to get out of the payday loan cycle. The payday loan consolidation companies offer debt assistance to people going through payday loan hell. They give effective debt advice to the consumers and help them to consolidate their payday loans into a low single monthly payment.
  2. People who are going through credit card debt problems
    Credit card consolidation: It helps you in consolidating your debt into one easy monthly payment. Debt consultants coordinate with your creditors to convince them to allow you to pay credit card bills in small monthly installments. If you're in the military service, you may enroll into a military debt consolidation program to get rid of credit card debt.
  3. People who want to lead a Christian life by getting rid of debts
    Christian debt consolidation: It works just like a conventional debt consolidation program and is based upon the Biblical principles. This program helps Christians to free themselves from the bondage of debt, so that they can worship God whole-heartedly. Christians can use debt consolidation services to eliminate debts and give their full attention to God.
  4. People who often miss bill payments
    Bill consolidation: This is where the interest rates on credit card bills, hospital bills or store card bills are reduced, and the late fees and penalties are eliminated. You can pay off your delinquent bills through small monthly payments and save money.
  5. People who are unable to manage unsecured debts
    Debt consolidation loans: You can take out a secured or unsecured debt consolidation loan to pay off your multiple bills at once. After the consolidation of debt with this new loan, you'll need to make an easy monthly payment to the lender. This is also referred to as loan consolidation. If you a have poor credit score, then your bad credit and debt will make it difficult to qualify for consolidation loans.
  6. People who want to pay nominal fee while consolidating debts
    Debt consolidation non profit: This program/debt service is offered by a company that has received non-profit status from the IRS. However, keep in mind that this is not a free debt consolidation program. The non-profit debt consolidation companies charge a nominal fee for helping you in paying off debt.

Debt consolidation statistics

Debt consolidation statistics show that consumers can save as much as 90 percent, on their existing debts provided they follow 7 basic financial principles:

  1. Send regular payments to the debt consolidators.
  2. Spend and stay within your financial means.
  3. Make timely payments on other accounts.
  4. Avoid opening multiple accounts at the same time.
  5. Avoid spending unnecessarily.
  6. Avoid acquiring new debts.
  7. Create amd stay within your monthly budget.

The debt consolidation success rate will be higher when the consolidators can:

  • Review your financial condition accurately.
  • Negotiate with the creditors/collectors competently.
  • Persuade creditors to reduce your interest rates.
  • Set up a suitable repayment plan.
  • Send the agreed monthly payment amount to the creditors/collectors.

Finally, keep in mind that online debt consolidation will not help you pay off debt within a few days or weeks. You haven't incurred debt in a single day. So, it is unfair to assume that you'll be able to get out of debt cycle within a few days.

Our community offers 8 tools to fight debt

Check out the 8 tools you can use to resolve your debt issues.

  • USA debt relief companies: You can check out company credentials and start working with a reputable settlement, consolidation or management firm to pay off debt.
  • Comparison chart: Compare various debt relief options like debt consolidation vs settlement and debt consolidation loan vs program before reaching any decision.
  • 32 Sample letters: You'll need to communicate with your creditors/collection agencies (CAs) in writing at various points of time. You can print and fax letters to the creditors/CAs/credit bureaus while negotiating, validating and disputing debts.
  • Forums: This is a platform to share your financial problems and get free debt advice from our community members.
  • DebtCC answers: This is where you can ask our experts any financial questions you may have. They can give you useful advice on debt consolidation, management, settlement, etc.
  • Free debt calculators: These are smart financial tools that help you compute your debt amount and figure out the amount you can save through various debt plans.
  • Earn dollars: Check out the 8 easy ways to earn money and use them in paying off your debt.
  • Get rewards: The community offers various rewards ("Hall of Fame", "Debt Samaritan", "Moderator") to members for their active participation.

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Nelly BrownHello Mark, It will be very difficult for you to release the co-signer. Most of the lenders refuse to release the co-signers on the loans. However, you can try to refinance your student loan from some other financial institution. Here, your credit score will have a big role to play. If your credit is not good, then it will be difficult for you to refinance the student loan. You can search for the financial institutions on the web.
2012-04-24 00:51:58

 
MarkHi I have a private loan with co-signer from Sallie Mae. At the time of application for loan I did not have good credit. Now I am building it up. Is there a way to release a cosigner or refinance from other institution with my own credit score. Payout amount is 12,700 as for this month. Could you recommend some financing institutions to apply for refinance?
2012-04-21 09:56:55

 
Nelly BrownHello Erik, It is good that you’re liquidating your debts. However, you must know that paying off debts will not help to increase your credit score. You’ll have to add positive information to your credit report for a long period of time. You can add positive information by paying your bills on time. Keep all your accounts in a good status.
2012-04-20 20:26:53

 
ErikHello, I've started liquidating all debt yet it has not help my credit score.
2012-04-14 15:11:42

 
Jim AndersonThis is a really great article with a lot of very valuable information. There are so many hyped up ideas about debt consolidation running around out there, that it is nice to see so many facts written out in an easy to understand fashion. I agree with the writer of this article that debt consolidation can be a really great way to alleviate a frustrating situation, but it can be a double edged sword in a lot of ways. People need to be more educated about not just the pros, but also the cons. Thank you for your well researched information. This will be a good resource for me to use when I talk to other people about this subject. http://badcreditstudentloans.cc/
2012-04-13 19:42:29

 
Nelly BrownHello Robert, Yes, there are some respectable credit consolidation companies in Florida. You can get in touch with them to solve your debt issues. You can check out the following links to get a list of reliable companies in USA and Florida: http://www.debtconsolidationcare.com/companies/usa-listing/ http://www.debtconsolidationcare.com/florida
2012-04-01 20:23:29

 
Nelly BrownHello David, Yes, your credit score is really very poor. You’ll have to work hard to improve your credit score. The answer to your first question is you can directly negotiate with your creditor for a reduction of interest rates and debts. Pick up your phone and start calling your creditors. If you want to reach us, then you can call at 800-DEBT-913. You can also use the Live Chat feature and talk to a counselor for free. You can also read the following article to know about the steps to settle debt: http://www.debtconsolidationcare.com/steps.html
2012-04-01 20:19:23

 
robertI was wondering if their we're any respectable credit consolidation companies that somebody could recommend. I live in the central florida area and have heard the horror stories from people who got nothing resolved and end up in deeper debt
2012-03-29 18:01:16

 
DavidHi Nelly. My credit score is around 200. Really bad. Just I have some business plans for the long term that would allow me to start paying my debts in around one year. I do not have a steady job, only some business ventures. I don't even have to pay a trustee to deal with the creditors or collection agencies. My debts are around $40,000. Being delinquent and not paying for around half of the $40 K. My question are: 1- May I deal directly with the creditor to get a reduction of the interest and debts? i do not have extra money for the trustee. 2- May I get phone consultation with you? 3- I am in Canada, would you be able to guide me about these concerns? Thanks for your quick Response.
2012-03-28 23:55:32

 
Nelly BrownHello David, What is your current credit score? If your credit score is bad, then it will take time to improve it. Just paying off the delinquent debts through a consolidation program will not help you. You’ll have to keep on adding positive payment history on your credit report. Apart from that, you’ll have to dispute the inaccurate items on your credit report.
2012-03-28 20:54:03

 
Nelly Brown Hello Sandra, If you’re sure that they are faking, then there is no need to make any payments to them. They will probably run away with your money. Ignore their calls. You can even send a Cease and Desist letter to them. You can get a sample Cease and Desist letter from this page: http://www.debtconsolidationcare.com/letters/cease-desist.html
2012-03-25 20:11:58

 
SandraHow can i find the Official Legal Letter, which i need to send to Collection Debt. Companies, in order to be safe about Removal of Dark payments after i'll pay those guys? Are too many indians guys here, asking for payments and promising that they will remove my Debt from my history, but they are FAKE.
2012-03-23 18:42:13

 
Nelly BrownHello, Well, you can reduce your debts yourself. You don’t need to get help from a consolidation company regarding this. You can reduce the debts through the debt snowball method. Try to pay off the credit card with the smallest balance first. Make it your target to pay off that card first. Make some extra payments on that card if required. Once that credit card is paid off, focus all your energy on the second credit card. Apply the same technique on the second credit card till it is paid off. You can also go for balance transfer method. In this method, you can transfer all your balances from these 2 cards to a single card with low or 0% interest rate. Pay off the balance within the introductory period. The financial condition of the family is not good. You need lots of money to take care of the medical needs of your son. As such, you can ask your wife to do the home based online jobs. This way he can look after your son and earn some dollars as well. Best of Luck
2012-03-21 20:32:25

 
anonymousmy wife and I owe about $18000 on 2 credit cards. I am employed my wife is not. Most of what I bring home goes right back out to bills and my son has an illness that is taking a lot of our income. We dont spend frivolously because we cant. Everything goes right back out. I have heard horror stories of debt consolidation and was wondering what way to turn. Any advise would be appreciated. Both credit cards are now maxed out.
2012-03-21 19:18:58

 
Nelly BrownHello John, What kind of student loan do you have? Is it a federal student loan? If yes, then you can go for the Direct Loan Consolidation program.
2012-03-20 20:34:05

 
John SenchaHow get rid of student loan?
2012-03-19 23:28:29

 
Nelly BrownI agree with you Pam:)
2012-03-19 19:55:17

 
pamNegotiation is the easiest way towards self debt settlement. In this case, you offer the creditor to pay off a reduced amount from the outstanding balance in a lump sum. This ensures that the creditor atleast get something rather than nothing (as in case of bankruptcy), making you debt free at the same time. (National Asset Management www.nationalmanagement.net/ )
2012-03-19 06:46:50

 
james andersonYes I should, no to all the querstions but the bank are chasing it up as fraud. Thanks Nelly.
2012-03-18 23:59:58

 
Nelly Brown Hello James, Have you contacted United pay on this issue? Did you take out a loan from them? Have they credited an amount into your account in the past? If they have made unauthorized withdrawals from your account, then you should register a complaint against them to FTC or State Attorney General.
2012-03-18 20:02:42

 
Nelly BrownHello Katie, I would advise you to work out an alternative payment plan with Citi Financial. If you can arrange a repayment plan on your own, then you’ll be able to save the fee charged by the Freedom Debt Relief. There is another thing which I would like to tell you. Normally, the creditors/lenders are not interested in settling debts unless you’re delinquent on them. You can get information on Freedom Debt Relief from this page: http://www.debtconsolidationcare.com/settlement/freedomdebtrelief.html
2012-03-18 19:55:29

 
james andersonI have just discovered a payment to unitedpay of $313.77 taken from my credit card and I don;t even know who they are or why they have taken it. The bank are treating it as fraud and so they should, I am disgusted by this and there has been no communication from them whatsoever. They are crooks
2012-03-17 00:46:58

 
katie i have an unsecured citifinancial loan that i have been paying on for over 5 years. Problem is the amount never goes down and is higher than ever. I am not behiond in any of my payments. I contacted freedom debt relief to help is this a good idea? anyone ever settle with cit/ one main
2012-03-16 10:54:40

 
Nelly BrownHi cmm29511, You can report the matter to both the BBB and FTC. Send a Cease and Desist letter to the collection agency. Thereby they won’t be able to contact you. If they still make harassing collection calls to you, then you can take legal steps against them.
2012-03-05 19:36:23

 
cmm29511have a blessed day
2012-03-03 12:31:42

 
cmm29511first source advantage has been harrassing me in my home on a daily basis. I am reporting them to the BBB. We are paying the original creditor directly and informed them of this and still they call my home. I bought an air horn just for their calls. hope they have ear plugs.
2012-03-03 12:22:18

 
Nelly BrownSad to hear that your husband is ill. I wish him a speedy recovery. You can't pay off secured debts such as mortgage through debt settlement. You can try for loan modification or refinancing instead. However, if you still want to check out the sample letter, then you can click on the following link: http://www.debtconsolidationcare.com/letters/sample19.
2012-02-24 07:33:07

 
goldenevie316Trying to settle a 2nd mortgage w-Wells Fargo. My husband became ill and even on SS and disability, can't pay debts. Need a sample letter to offer a debt settlement on 134,000. My home value is decreased. Want to stay in home.I'm in Virginia.
2012-02-24 02:57:22

 
Nelly BrownWho has deposited the money in your account? Is it a payday loan company? If yes, then return the money as soon as possible.
2012-02-12 19:33:28

 
V$300 was deposited into my account and i have not spoken with anyone in regards to this.
2012-02-12 17:36:19

 
Nelly BrownThere are 2 ways to settle an unsecured debt. The first option is to settle your debt yourself. Here, the main aim is to get rid of the debt by paying less than what you owe. You contact your creditors/collection agencies and negotiate to cut back the principal amount. For example, your total debt amount is $40,000. You offer to pay $20,000 to the creditor. If the creditor feels that it is a good settlement offer, he will accept it. You’ll pay the agreed amount on a particular date to the creditor and settle the debt. The other option is to settle the debt with the help of the debt negotiators. Here, you get help of the professional debt negotiators to settle the debt. The debt negotiators will deal with the creditors to reduce the outstanding balance.
2012-02-06 19:41:56

 
S. DroverHow to settle a debt amount?
2012-02-06 02:58:43

 
Nelly Brown Hello Brooks, Your client is not the first person who has received such calls. Several other people have received threatening calls from this number. This particular ‘nameless’ company has threatened to file criminal charges against several people. It is clear that they are trying to scam people. They are breaking all the laws ruthlessly. It can be Titan Group LLC. But I am not 100% sure. It is best to ignore such calls. If your client receives the call, then ask her to not disclose personal or confidential details to the caller.
2012-02-01 20:07:03

 
Brooks William Conover, III d/b/a Conover Law FirmI have a client who received a phone call from the Titan Group, LLC. We have both made several phone calls to 877-394-5817. No one answers the phones and we have to leave messages. The answering machine does not state who the company is that we are calling. In the initial call to my client, they tried to frighten my client by suggesting that this "matter" could affect her professional license in a medically-related field. Not once did they ever state that this was a debt collection type of agency. This type of cold call violates both state and federal fair debt collections statutes. If you have received a similar call, please feel free to contact me. I would like to know if this is Titan's standard MO.
2012-02-01 14:01:19

 
Yusep Sugiantowell, be careful with your debt. it will makes you stress.
November 12, 2011 at 1:29pm

 
Bringing Back Motown i have a great program for credit card debt 0 risk no money down
November 19, 2011 at 5:22am

 
Patrick Saint-JeanThis is a service that anyone can use to get out of debt. It is not a good thing to be in debt, so people have to be responsible and live within a budget. Throw out all the things that are not necessary and stay disciplined. Focus on generating a larger income if you want more luxuries and more freedom for your purchasing habit.
December 7, 2011 at 3:30pm

 
Nelly BrownHi Lea, All the debts that you have listed here are unsecured debts. In order to consolidate all your debts into one single payment on a monthly basis, you should go for the option of debt consolidation program (http://www.debtconsolidationcare.com/program.html). You can do it on your own by negotiating with your creditors or you can take the help of a debt relief company for the same. If you take the help of a debt relief company, then you’ll go for a free counseling session with their consultant. This consultant will evaluate your situation and let you know how much you need to pay toward your debts. Once you enroll in the program, your debt consultant will start negotiating with them for a payment plan. Once your creditors and you agree to the payment plan, you will have to start sending the monthly payments to the debt relief company who will distribute it amongst your creditors. Once the debts are paid off, your credit scores will also start increasing slowly. The best part of this program is that your extra charges and the late fees can be forgiven.
May 2, 2011 at 4:22am

 
Lea BlankenshipI have quite a few small debts to banks and a few small credit cards and a small repo amount. How can I consolidate all of it unto one payments to pay it off so I can clear my credit report? Thank you.
April 19, 2011 at 2:44pm

 
Nelly Brown Hi Donna, I am deeply sorry to know that your father and mother are fighting a tough battle. It is encouraging to know that your parents have taken the responsibility for bringing up your daughters. There are some grants available for the aids patients. You can glance through the following pages to get more details about them: http://www.usaid.gov/our_work/global_health/aids/Funding/grants.html http://www.gatesfoundation.org/grantseeker/Pages/funding-hiv-aids.aspx http://www.ehow.com/list_7242213_grants-hiv_aids.html http://www.until.org/grants.shtml A lot of charitable organizations work for the benefit of the aid patients. Your parents can also contact them. If your parents qualify for the grants, then they can use a part of the money for the education of your daughters and for other purposes. If they wish, then they can also apply for the federal student loans.
April 18, 2011 at 10:34pm

 
Donna Whittington please anyone with sugestions 4 a grandmother and grandfather with Aids trying 2 help my daughter raise her 2 girls and afford school, possably more stable housing (our own home???) and maybe something 4 the girls, let me know about grant/grants. THanx
April 18, 2011 at 6:20am

 
Nelly BrownHello Terry, I think it is better to consult an attorney regarding this matter. An experienced attorney can give you the right advice on this issue. If any judgment order has been issued against you in the past, then it is likely to remain on your credit report for around 7 years.
April 17, 2011 at 10:21pm

 
Terry DeWittjust rec'd a class action notification from a Federal Court regarding a class-action lawsuit against Midland Funding. the case is Andrea Brent V. Midland Credit Management, Case # 3:08-cv-01434. joins in the suit, he will recieve approx. $10.00 and will be bound by the settlement.... that's just fine, but what about getting the current judgement vacated and removed from our credit?? If I join in this suit, will we be able to do anything about that? Any suggestions/advice would be appreciated. THANK YOU Terry
April 17, 2011 at 10:13am

 
Nelly BrownHello Mary, You can pay off the student loan and medical bills through debt consolidation. As the interest rate on a debt consolidation loan is lower than that of the student loan, so it will be not be difficult for you to make the payments. You only have to make one monthly payment on the new loan. To know more about debt consolidation loan, glance through the following page: http://www.debtconsolidationcare.com/loan.html You can also repay your medical bills and student loans through debt management plan. Check out the following page to know how debt management works: http://www.debtconsolidationcare.com/debt-management.html As far as child support debt is concerned, you can have a portion of your wage (considering you are working) cut every month to pay the child support. Thanks,
April 14, 2011 at 2:13am

 
Mary Richardson Hi! My main debt is child support and then school loans behind that. I dont have any credit card debt, but i do have medical bills from the time i was 14. My question is does debt consolidation help with child support or school loans? If not, what is my best option?
April 13, 2011 at 3:16pm

 
Liz MartinezHi I have debt that i am trying to get paid off from 4-7 years ago. Is there any debt consolidation company that will help me?
April 3, 2011 at 4:22pm

 
Meme GilstraphI, CAN SOME ONE PLS HELP......I have been rapidly trying to fix my credit report and withing 2yrs have went from 500 to 601 and this all with and income of 860 a month. Last month a collection ageny posted a debt against me that I had from Apr of 2005 ( this is the 1st I have even heard or seen of this bill) anyways it dropped my score 22 pts..........how can they do this and how long will it stay on my report? also an collection agency posted last month and increase in the amount that I owe them and this has been on my credit report since 8/2005 can they actually do this since it has been on my credit report this long & how do it affect my credit report will it make it stay on longer? PLS PLS HELP
March 30, 2011 at 2:25pm

 
Susan Mcknight-Hubbardi used debt fee assocaites and have paid several thousand dollars no debts have been settled and know I being sued by city bank. should I file for chapter 13 bankruptcy
March 23, 2011 at 4:31am

 
Al Spicer OUR GOAL IS TO PAY OFF ALL OF OUR DEBT ASAP W/O BANKRUPTCY WE HAVE FOUND A WAY TO PRODUCE A SUBSTANTIAL EXTRA INCOME. AT THE SAME TIME ELIMINATED OUR OUT OF POCKET EXPENSE FOR GROCERY ,GASOLINE,CLOTHING AND ALMOST ALL OF OUR OTHER HOUSEHOLD EXPENSES
March 15, 2011 at 7:03pm

 
George X Robinson Can private student loans be consolidated? If yes, how? Also, can private student loans be ignored by the borrower and avoid prosecution or punishment for lack of payment of the loans?
March 4, 2011 at 5:32am

 
Wystan NorthThat’s some very sound advice, people may think that bankruptcy is their only option but it isn’t. You offer the alternatives that people should be aware of, there are ways around bankruptcy and how to deal with debt. Hopefully people looking for help will come across this post.
February 25, 2011 at 2:28am

 
Joyce BakerI think if your substantially in debt perhaps going to a debt consolidation company to where your debts can be lowered and one monthly payment over a period of time to pay debt off sounds like a sensible way to handle the situation and keep a good credit standing.
February 19, 2011 at 9:53am

 
Virginia VogtHey, it worked! Just unselect that box and none of your friends on Facebook have to know what you are doing here.
February 16, 2011 at 7:40pm

 
Virginia VogtAll I did was unselect the "post comment to my Facebook profile" box - let's see if that works and if it does then I don't know what all of you are complaining about with having to share this information with your friends...
February 16, 2011 at 7:39pm

 
Alanya Emlakthanks
February 2, 2011 at 9:29pm

 
Jason HolmesAnother option can be debt consolidation. You can take out a low interest debt consolidation loan from a bank or financial institution and merge your debts into a single loan with a low interest rate. If you have good credit and income, then it won’t be difficult to qualify for a low interest consolidation loan. Just keep on making one affordable monthly payment on the loan for few years and become debt free. Another positive thing about debt consolidation is that it doesn’t hurt your credit score. So, contact your local lenders and work with the person, who offers you the best deal.
January 19, 2011 at 10:12pm

 
Peter Espinoza To the person who has 35,000 in debt and wants to pay 300 for 10 years, just one thing. If you are paying interest on your cards or it's 1% interest rate then I'm sorry to say that this is impossible (300 x 120 (months) = $36,000) . If this is the only option, you might have to stop paying your credit cards so you can show them that you are no longer capable of paying them and then negotiate with them a payment structure, you might end up paying less than what you currently owe and not be in debt for 10 years. hope this helps
January 16, 2011 at 8:27pm

 
Edel Adelgood
January 12, 2011 at 5:16pm

 
Nancy Silas Roach There is some extremely helpful information on this site. FYI, sample letters, tips, etc.:)
January 12, 2011 at 3:14pm

 
Marie Deary“Running into debt is not so bad; it’s running into creditors that hurts!"
January 10, 2011 at 6:45pm




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