what do i have to do to get out of debt and were can i go

I am debt and i have my girl friend living with we also have a baby on the way she is four months. i am currently 21 i first got credit when i was 17 i made a lot of mistake and i am paying for them right now i fell into debt at a young age and did nothing about it now i know how important my credit is i am open to any suggestion that could help me out all i want it to be debt free so that i could provide for my child and my girl friend so please write back to me with any thing that you think could help me thanks for taking the time to read my message

I have three payday loans at the present, I need to consolidate these loans into one monthly payment which will be affordable how do I go about doing this?

When you are going for a loan what is the loan period? I mean am I given a choice to choose 60 monthly payments for all type of loans? say I am taking a loan (unsecured) of 10k, will my creditors allow me a 60 months to pay it back with interest? I hope I am able to make myself clear? tracy

As you know (or not) here's the story in a nutshell. I'm livid right now. Months ago, closed my bank account, pdl debits forced it open, fought to get almost $1000 of debits and NSF fees reversed, succeeded, put a total block on the account, nothing went through for months, no problems, pdl debits being rejected left and right. TODAY, I come home and there's a notice from my "old" bank that my account is overdrawn over $600 and I need to take care of it immediately. WHAT?!?!?! This is the account with the total block on it for MONTHS. 14 cents sitting in there with a total block.

I had a debt with Bank of America turned over to a collection agency (Apothaker & Associates). I settled with them on august 21, 2006, and they sent me a letter saying this account was settled and closed. On august 17, 2007 I received a letter from another collection agency concerning this same debt I thought was in the past. Can Bank of America do this?

Will paying off a collection make a negative mark on your credit score. I read this somewhere and might not have understood it. I have a few collections in which I know are actually all my debt. My credit report is accurate. My husband and I are hoping to purchase a home in the next six months. Will paying these improve my score?

I been going back and forth on paydays loans for 3 years now. I get them payed off and then another emergency pops up. I never really saved for emergencies, they seem pretty frequent now. I am in a Chapter 13 for 2 years now, I took out a payday too pay the lawyer. I been in an out of the hospital for the past 5 years and going in again for some surgery on my arm so I can continue working. I will be again on disability pay for 2-6 weeks.

i can,t seem to get out of debt, or see the light at the end of the tunnel

I call and they ask for my phone number, no info on what company it is though. Thanks.