single mom with debt

Welcome to the community :D Since you registered with this site,you also get free credit counseling. Someone will contact you soon to discuss your options with you. If you have several debts,consolidation may be of help to you. You will have much lower interest and one payment monthly,instead of several. As far as your car goes,I know in my area,there are places that do not do credit checks,but you pay a much higher interest.You may be able to save enough from doing consolidation to help you with a car. There is no quick fix to repair credit,but it can be done with patience and time. Good Luck-keep us posted..There are others here in these forums who are going through the same thing you are,we are here to guide and support you :D ...Karen

Try to focus on the other avenues by which you can do some repair to your present situation. If possible, make the minimum payments to all your debt accounts. If you can get a second job, it will be helpful for you at the present times. Let your creditors understand that you are willing to pay the debt, but if they can give you some time, you will pay off the complete amount.

How much is the total amount of your debt, bl0nde. There are several debt management programs by which you can repair your credit. Consolidation is the best choice. Other than this, settlement can also be a good option. You need to understand your present situation and the payments set in the plan. Settlement is an option especially if you have a huge amount of debt. People often take this program when they are unable to afford the monthly payments set in the consolidation.

Read this page on debt solution. You will get some options and the suitable plan for you.

http://www.debtconsolidationcare.com/debt-solution.html