Debt needs to be consolidated

Welcome to the Community :D Have a look at this http://www.debtconsolidationcare.com/ it explains what you are asking. Also, since you are registered, someone will contact you for your free credit counseling. They will discuss your options with you, and you can decide what is best for you. Good Luck...KAren

Different consolidation and settlement companies are listed in the ranking chart. Find the companies in your area and take their free quote. You'll figure out the company offering the best deal in your situation.