Help with getting me on the right track

Welcome to the Community :D I can understand about the wrong decisions, been there!! Here is a link that explains credit counseling at http://www.debtconsolidationcare.com/credit-counseling.html You are entitled to a free credit counseling since you became a member-they will discuss various options with you, such as consolidation. You are free to choose one or not. Feel free to ask queastions..Karen

Do some budgeting on your finance so that you have some control over your income and expenses. Do you have any huge debts which are worrying you? You can take free credit counseling from an expert and discuss about your options. He will help you in setting up a plan with your creditors and get started.