Help

Read thru the forum....you will see how other people have handled it. Or give a call to your local consumer credit councelling service.

You can consolidate all your debts on your own. You can do it by transferring balances from high interest cards to a low interest card. Otherwise, you can get help from a debt consolidation company. The consultants at the consolidation company will negotiate with your creditors to lower the interest rates on the loans and find you an alternative repayment plan. You'll have to make single monthly payment to the consolidation company which then disburses it to the creditors.