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What is the best way to go about debt consolidation when I am not late on any payments and not delinquent on anything, but my debt is very hard and a good portion of it unsecured.

I would try and find a debt management program if I were in your shoes. They can typically lower your interest rates, waive late and over the limit fees which makes your payments lower. I wasn't late until this month. I have one payment (pending) on a dmp, one on a hardship, and others, well, we're just hoping for the best. They are joint accounts so I'm trying to not affect both our credit scores.

Sub: #1 posted on Tue, 08/19/2008 - 18:58


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