bills

You might want to consider using the services of a Consumer credit counseling Agency. They can put you in a repayment plan with the creditors called a debt management Plan or a dmp. With a DMP you will repay all of your accepted creditors over a newly negotiated contract and terms. The Counseling agency negotiate with all creditors to accept one payment with a lot lower interest rates " usually around 6-10 % ", waive late fees and over limit fees and spread your payments out over 4 to 7 years. You will repay 100% of your current balance with a payment that typically runs about 3% to 4% of your total debt. This will save you a lot of money in interest , get you out of debt much faster than on your own , and this program will not affect your credit score. I would suggest if you do decide to go this route please shop around and compare companys. Be sure you look them up with the BBB to make sure they have a good track record. I hope this helps. Have a great day :D

do you have any you can refer.

Jan

I know a few good ones . Consumer Credit Management Services Inc. , CareOne Services Inc. , DebtWave credit counseling Inc . All three of these are members of the BBB. I would shop with at least those three and look them up for your self on the BBB and see who you like best. These are just a few but there are other good ones. I hope this will at least point you in the right direction. :D