How to use debt consolidation?

Welcome to the Community jc :D Here is a link that explains 12 ways to solve your debt problems, including consolidation at http://www.debtconsolidationcare.com/debt-solution.html You can get an idea if any of these may work for you. There is also a do it yourself section. When the credit counselor contacts you for your free credit counseling, you can discuss which,if any, you may want to use. Feel free to ask questions, we are here to help you!..Karen

thank u bossy for such a useful information. I have gone through the link as mentioned by you and find it very helpful. Jcdc do go through this link it is useful. :)