Some information about debt consolidation

Welcome, Jaime.

First off, please don't type in all caps. It makes your post difficult to read.

Next, if you did the free sign up and gave your phone number, someone should be contacting you soon. They are a credit counselor, and should go over your complete situation. Before you sign up with them, research them, there is no obligation to use them. One of the tools you can use to do that is the google search on the side of this page. Many posters have given feedback on their experiences with various counseling/consolidation services.

The site you have posted on is a forum, not a classified ad board. All of us posters do so on a voluntary basis, sharing both experience and knowledge. The more you share here, the more we are able to assist and support you.

You need to speak with a debt counselor and know your options in the consolidation plan. All debts will be combined under one repayment plan and you will be offered a lower interest rate in this program. If you are already behind in your payments, this program will be good in bringing them current and pay according to your affordability. There are other options in case you are not able to afford the payments in the consolidation plan. debt settlement eliminates the total debt by 40% to 60%. Take professional advice before you finalize any plan.