Help!!!!

Personally I don't feel that a Consolidation Loan would be a good option. A Consolidation Loan pays off your debt, but adds another debt under your belt that you need to pay off. So you basically increase your debts, nothing more than that.

Are you are looking for Debt Consolidation Loan? If so, i will suggest you not to go for that. Because if you are taking a loan to pay of other debts you are actually going to accumulate more debts. What I can suggest you, 1st of all try to speak with these PDLs and try to convert the amount in a payment paln so that it will not be a burden for you. And if it does not work then try to negotiate with them.

I know but I don't see any out the credit card said that's all they'll take and the pdl want over a week I've tried negotiating with them. Any other idea's.

Have you ever thought about Debt Settlement? There are Law Firms that help in settling these debts by consolidating these debts into 1 single monthly payment. This way you can save money at the same time you can pay these debts off within the minimum time possible.

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First of all I'm not very sure if a company can switch you over from Debt Settlement to Debt Management. And the output that you get depends on the type of company that you are dealing with. There are lots of companies that take your money and ultimately do nothing. On the other hand there others that have great client testimonials and other affiliations and they can help you see great results. So choose your Debt Settlement company very carefully, and I'm sure you will see the difference.