want to get my phone bills lowered

Robert,

You can get all the utility bills combined into one loan amount in the consolidation program. This will offer you lower monthly payments at lower rate of interest.

The benefits of the consolidation program have been summed up in the page given below:

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

I believe that a free counseling will be helpful in knowing the solutions to your debt related problems.

Also, you can have anything "extra" removed...such as some outrageous long distance plans, etc. Only add what you really need and use.

You can also look into getting a voIP phone: it basically allows you to make telephone calls using a broadband Internet connection instead of a regular phone line. Some voIP services allow you to call anyone who has a telephone number - including local, long distance, mobile, and international numbers. It's usually much cheaper than a regular phone line.