debt consolidation

I am not sure but I think you can do it! Maybe there is a way for you to get a consolidation loan or a company who can do this for you!

If you tell us a bit more about the debts you ae talking about perhaps we can help you. Since you have registered with the site, you are entitled to a free no obligation consultation. That may lead you in the right direction for your specific needs.

I, myself, am in the same boat and was wondering what I can do to negotiate my debt down or consolidate. I am current paying everything but I may not be able do it for long.

It is possible to negotiate debt or debt settlment with CC companies, such as AMEX, Citibank, when you are current and not in default?

Your help and response is greatly appreciated.

Yes there must be ways to do so. See professional advices and do not delay on this matter.

I have articles on Free Your Debts, Ways to avoid bankruptcy. Get advice from debt consolidation or debt settlement. Will it affect my Credit Score / FICO Score? More Information on http://avoid-bankruptcy-get-debt-consolidati.blogspot.com

Yes, of course it is possible. debt consolidation is only a loan, so you can apply for one whenever you like. Eg. - You can take several of your loans & pay them all off with the one consolidation loan. This generally makes it easier for you to manage your debts. It doesn't matter if you are behind on payments or not.

Here's some more info (I just google'd debt consolidation):

Wikipedia Debt Consolidation article

Debt Advisers Direct - debt consolidation advice

I am kind of in the same boat a lot of debt but not behind on anything.... would like a way to consolidate.

Same here. Paying everything on time, but it's draining my paycheck so I can't even get an apartment. I'd prefer a debt settlement over a consolidation. Not sure I qualify for this, or how much it will damage my credit.