What is the best way to consolidate debt?

Nicole, I will advise you to register in this website and take the free counseling. You will find many options coming your way after talking with the counselor. You don't have to have a home to qualify for the debt management program.

When you do the payments, the creditors update your file with the credit bureaus. This is the best thing happening to your credit if you compare it with the present. How can a debt consolidation be hurting then? You can take this program with a positive note. The consolidation will be in your file when you are using it. Once everything is paid off, no one will know that you ever used this program. Register here for the free counseling. It's worth a shot and you aren't paying anything for knowing your option.

I Owe 40,000.00 How much do you think the payment will be. I Live in California

You have already registered here for the free counseling, right?? The consultant will work out an easy plan for you.