Hi! I am too much in debt

Hi, welcome to the site, you came to the right place.

A counselor will be calling you in a few days to talk about debt consolidation or settlement. They can answer any questions you have, and they'll point you in the right direction.

In the meantime, can you elaborate? We've all had debt issues around here, maybe we can help.

im so sure someone can help you hear... first i wanna ask what state are you in? whta kind of debt are you taclking about credit card, loans, medical bills ect ect. let us know you situation we can help or know some one who can .

Ok, estimate the total amount of your debts. Consolidate all your unsecured debts under one repayment plan. You can calculate your monthly repayments using the calculators after figuring all your sources of income. Try to keep your debt to income ratio as low as possible and make monthly payments through the consolidation program. Your credit will turn good after creditors put positive remarks in your file. This will also raise your scores.