Debt Management

Is it all credit card debt? loans? pdls?

I have 6 credit cards and 1 personal loan

does your personal loan have any callatoral? i used a great settlement company, but im not sure if that is what you are leaning twards.

My personal loan does not have callatoral but I have a co-signer on it.

The only one I've heard semi good things about is Atlas, or Nationwide Credit. You may want to google those names and see what other reviews people give.
Have you put any thought into ways you might consolidate/take care of the various cards/loan on your own?

unfortunately your co-signer may suffer if you deside to settle, or go through debt management companies. consolidation may be best for your situation if you are considering your co-signers credit. Maybe discuss with them what your options are and how it may or may not effect thier credit. You may want to include them in this decision considering that they may ultimately be effected by your decision.

Thank you! I have thought about my co signers credit and I dont want him to suffer from it. There is no possible way at this point for me consolidate all the cards, I have way to much open credit. My credit is fair and I am not behind I am just having a hard time keeping up. I dont know if its worth consolidating if I only have 6k with out including the loan. I have 3 years left on the loan and I pay 300 a mo. But it does not allow me to pay more the the min on the 6k worth of credit cards and my intrest rates keep going up. I dont know what my best option is.

When you say 'open credit' do you mean available credit? that you're not at the limit on each card?
or that there are too many cards?

i would pursue a credit discharge strategy, along the lines of my signature down there. consider ALL your options

....and of course, my signature is gone. scratch that :)

im not sure what would be the best option for you. Like i said maybe before you decide anything you should discuss this with your co-signer. My opinion would be debt settlement because if you are barely making the payments and your interest is going up and up at some point and time your not going to be able to make these payments. My circumstances always show that something will happen to put yourself in a bind, and your done. When your living pay check to pay check the smallest little thing will throw you off course and first you cant make one payment and it all goes down hill from there. It gets so hard to get back on track after that. Maybe your co-signer will understand