debt consolition

Welcome to the Community :D You are not alone! Since you have registered, someone will contact you about solutions to your debt problems, such as consolidation. In consolidation, all unsecured debt can be put into one monthly payment, with lower interest. You said something about overdrafts, are pay day loans debiting your account? You can talk with the bank about the NSF fees, and work out a payment to them to get it cleared, most of the time. If you have any questions, please ask..Karen

Are your accounts currently in default? If yes, it will be the right time for you to call your creditors and explain your problems. Most companies are willing to work on the terms of their customers. They might offer you some reductions by waiving off the late fees and reducing the interest rate. If you want a debt consultant to negotiate with the creditors, speak with different companies and find the best quote that they can offer. You should be able to get some arrangements done.

i owe money to the cash store $350.79 on EI right now which is the best way to pay this loan off i can't afford to pay all of this off i still have rent to pay and other bills on top of this loan bill.