worth consolidating

Try using this and see if it helps http://www.debtconsolidationcare.com/calculator/reduction.html It explains to you how to calculate your debt to see how much you can save by consolidation. Have you talked with your creditors yet? Are any in collections? Sometimes if you talk to them and be upfront with them,they will work with you. If they see you aren't trying to hide from your dbet,sometimes they become more willing! Any questions,feel free to ask :D ...Karen

It's always worth using a consolidation program especially, when you are missing payments on your debt accounts due to high interest rates. This program is helpful to those who find it tough paying the minimums and expecting delinquencies in the future. Talk with a counselor and frame your payments. You will figure out some amount of saving every month.