tbi condition emotionally distrout in

Hi! First of all, try and relax. There are ways to avoid a repo. Has the bank told you that this may happen? How far behind are you?

I am not a big advocate of consolidation loans. Never heard of one that worked out. However, consolidation or settlement of your debts could help. You will be contacted by a counselor. They will talk about your options and suggest some companies. You are never under any obligation. In the meantime, read the forums. There is a lot of great advice and perspective here. Any questions, please ask!! There are no dumb questions, we've all been there one way or another, and we're here to help you.