secured and unsecured debts - how to consolidate

I need to know how this consolidation stuff works. I'm currently not behind on my payments but am quickly getting in over my head because I lost my job.

Hi Tony,
debt consolidation will only handle unsecured loans.A consolidation loan is the only way I know of to include secured loans.With a loan ,all your bills are paid off and you will have one monthly payment to the bank or loan company.If you put your unsecured debts in a consolidation program,they send out proposals to your creditors and try to get fees stopped and lower interest on all your debt.You send one monthly payment to the consolidation company and they inturn pay your creditors.The biggest advantage to consolidation is most creditors,after about three payments,will stop the late fees and lower the interest quite a bit.With a secured loan,a creditor can just take back what you defaulted on,so they are not willing to work with a consolidation program.If you register at this site,you will receive a free consulutation,and will receive some more advice.

Tina,If you feel like you are about to default on your loans,this will only lower your credit score,so I would recommend consolidation,which as I said above will put all your debts into one monthly payment.The consolidation people work with all you unsecured debts,and try to lower interest and stop late fee.You will get you debt paid off alot faster,and your credit score will rise,and best of all you only have to make one monthly payment to the consolidation company and they take care of the rest.Please register at this site and you will get a free consultation.I have been in a consolidation program for 4 months now and it the best thing I could have done.I have no more stress about my debt,and the worry of having collectors calling me is gone.

Consolidation program covers all your unsecured debts. Your counselor talks with your creditors and gets the interest rate down, eliminate late fees and other financial charges and offer you a suitable monthly payment that you can afford easily.

This site offers free counseling. You can undergo the session to know your options in detail. Visit this page to know how it works.

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

when i called T&C they included the secure and unsecure debts together. the only thing is the payments cant be lowered on the secured loan but they said after making payments on time for several months they can try and talk to the lender and see what they can do. I would try giving them a call. Hope this helped

Wow,I never new that they would include the secured debt,my company would not,Thats great to hear,I guess T&C takes care of it all.
Thanks for the info fka22 :)

yeah i wasnt too sure either but after talking to them on the phone i asked about it and they said they could. i cant wait to start the program and stop the worrying.

Does T& C take care of house payments? I know this is a secured debt - I WU them the fee today. I will call them on Monday _ I din't think to ask them about secured debt. That would be nice just to have one payment for everything! They are going to do my student loan, credit cards and medical bills. I am so glad I found this forum and T & C!!

who is T & C?? and what is there #??