Newbie in town....

Someone will be in touch with you to discuss consolidation.

This site will also give you moral support while dealing with this. We're a pretty close knit community, and all of us are in the same boat.

Thank you for the quick response!

I am with T & C. they have been great to me and a welcome relief if you know what I mean. They require a refundable $155.00 initial payment and base your monthly payment on what the creditors will settle for. It has worked out really well for me, if you would like contact info then just pm me and Ill get back to you.

Hi boppinmama13

Welcome on board! Take the free quote of the consolidation company referred to you. He will be giving you a call back shortly. He will negotiate with your creditors and eliminate the financial charges. If you have any late payment fees, it can also be waived off. You will have lower rates of interest in this program.

After reviewing your financial situation, the consultant will offer you easy repayment options. You can choose the best plan suitable to your present needs and continue the payments to the consolidation company. They will send the money to your credit company and you will receive monthly statements showing how the money was applied. After the program is over, the creditors will update your accounts as 'paid' to the bureaus. You will become debt free within the set period of time.