Here's my situation. I was in the middle of changing jobs, but went through a auto accident and trying to get it fixed which has cramped my savings. I've now ended up out of work for the past 5 weeks and I'm stuck with being $800 over the $2000 limit on my credit card which I owe next week, a few months behind on college loan payments (around $700), late one month and maxed out on a store card ($600 limit).

does secured debt such as an auto loan qualify?

If I consolidate my loans does this effect my credit rating in a negative way or make it harder to purchase a car or home later?

Approximately how much is the nominal fee that you charge for this service?

just a quick note....my credit report states the date of last activity for a payment was 4-2001. I was served with a summons and complain 5-6-05. The paperwork was filed with the court 4-27-05. According to my records last payment posted my bank account 4-2-01.

I am so in debt, I do not know what to do. I got in a bad habit of going to those payday loans. I strarted out with one and now I owe in 4 different places. My whole paycheck goes to them. I am left with no money. I can't afford to pay for my car because I have to pay them. I am also behind on my house payment. I am living in hell. I do not know what to do.Please somebody help me, I have three children. I sometimes don't have to eat because I have to pay payday loans.

If I enter into debt consolidation, will it affect my credit rating?

how does this work?

How much do you charge for this service?

I owe on payday loans. can these be consolidated?