debt counseling

Budgeting is very necessary for you. You have to stress more in raising your income and stop new debts from incurring. Seek some professional advice also so that you can plan an easy repayment with a consultant and pay off your dues. Take a look at this article.

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

This will guide you with the steps on how to negotiate with your credit companies and propose a payment arrangement.