I am in need of help managing my fiances, bills, and loans.

Hi Mitch, you can see your credit improving after combining your unpaid debts under a consolidation program. All the accounts will become current and easy repayments will be fixed by your counselor in the program. He will call your credit companies and do all the negotiations for you. How much is the total amount of your debt? You will get the following benefits in the program. Take a look

http://www.debtconsolidationcare.com/benefits.html

I would estimate right now probably around 20,000 all together with loans, unpaid bills and debt, and finances.

Well, you can expect lower interest rates in the program along with most of the late payment fees been waived off. I will also suggest taking a look at the settlement plan, in case if you wish to consider different debt management programs.

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

Most people like to settle the debts especially when the total is huge and unable to afford the monthly payments set in the consolidation plan. A new account is opened in the program in which you keep the monthly payments. The accounts are in defaults for a few months before the settlement company starts negotiating with the creditors. They may take some time to accept the proposals from the settlement company. When this is done, money from the new account where you did the monthly payments is sent to the creditors and the accounts are paid off. Later, the creditors update the file with the bureaus and this shows your improved credit in front of the future lenders.