Im in over my head

Ok...welcome to the forums I'm guessing you put your thread under this category because you're contemplating consolidation? I consolidated my cc debt and was a little over 10k it was a great thing for me but Ithink you need to research the company and if that route is right for you. Please use the free consultation service to the right of your screen and call the free number. a professional will contact you and then you and he/she should be able to come up with some options. Should you consolidate, know that your credit will improve steadily if you pay your monthly payments on time every time and if at all possible pay it off sooner. Within a year my credit score was good enough to get an unsecured credit card again so it doesn't take long for your score to improve over time. good luck

Yep...i agree with debtstinker..debt consolidation is indeed a good option to get rid of your debts. debt consolidation eliminates your debts by 40% to 60%. The debt consolidation firm in which you will register yourself will negotiate with your creditors to reduce the taxes and late fees.