credit card debt

Welcome to the forum! someone will be contacting you in a couple of days to discuss your needs. In the mean time, look around there is a lot of good information here. You are not alone. If you need any help just ask, we'll do what we can for you. :wink:

The benefits of the consolidation program are put in the page below. I am using this program as well. You will be able to combine all your bills into one monthly payment. Also, the counselor will call up your credit companies and negotiate on the debt amount. If you are in defaults, most of the late payment fees and the financial charges will be wiped off. You will get lower interest rates and affordable monthly payments will be set as per your situation. Talk to a counselor as he needs to review your debt accounts first before some payments options can be planned for you.

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