Is debt consolidation for me?

I am not sure if I would qualify for this or not. All the accounts that I need help with are charged off and sold. Is it too late to do a consolidation now? I have arrangements with most of them, but one is being really difficut to deal with. If it is still possible to do a debt consolidation program, could anyone recommend a good company to contact?

Yes, it's definitely possible to consolidate debt even at your situation. In fact, most of the people don't consider debt relief options before they start getting harassing calls from the debt collectors.

You can check out the companies raking chart to find a reputable consolidation firm in your vicinity or else if you are planning to 'do it yourself' check out the DIY page.

you can also fill up the sign up page to get free counseling from experts

debt consolidation has a 90% failure rate, a company will take your so called payment and negotiate a percentage rate with your creditors.

example: i had a client once tell me that he was in one of these programs and over the course of 3 years with a balance of 10k he invested 3k and when looked back at his balances he still owed 9k. Where did the other 2k go? TO FEES, consolidation programs are usually backed by the credit card companies and they are not on your side. This is also why the credit card companies want you to go with them. They want what ever it takes for you to pay the full balance off and even more what they really want is you to pay the minimums so they can triple the amount of what you owe.

PEOPLE NEED TO UNDERSTAND THAT CERTAIN COMPANIES ARE NOT ON YOUR SIDE, THEY ARE ON THEIR OWN OR EVEN WORSE THE CREDIT CARDS COMPANIES

my company is not up and running yet so this is not an advertisement but some help.

Through a debt settlement program, a debtor can reduce the amount of debt that he has outstanding to nearly 50%. It can be as high as 60% in certain situations. The remainder of the debt is then paid off at a 0% interest rate! The debtor can then choose a payment plan that fits comfortably into his budget. The stimulus money from President Obama's debt relief program is used to cover the debt which is settled in these cases.
Debt National Relief is a company that provides this service and does so with integrity and honesty. They work cleanly and quickly and always leave the client feeling as though a weight has been lifted off their shoulders. Check them out at www.debtnationalrelief.com.

I would call DS Financial. They settled my debt at around 22.5 cents on the Dollar. They can be raeched at 866-833-6398.