trying to get a home in 12 mths

Welcome to the Community :D Are you looking to consolidate your debt? If you can give us a little more info about your debt-credit cards, payday loans, we can guide you in the right direction. Since you have registered, take advantage of the free credit counsultation. They will give you options according to your debt, income, etc., you are free to choose one or not. Feel free to ask questions..KAren

While you wait for the counselor to call you, get all your account statements and account details that you want to include in the plan. Go through your latest credit copies and know the actual status of each account. Then you will be able to discuss with the counselor and figure out your repayment options. You will have a plan according to your present financial situation. This will be your first step towards a debt free life.