consolidate debt

What are the debts that you have? Are they unsecured debts?

What types of debts do you have? The types of debts that are eligible for debt consolidation program are past due utility bills, unsecured personal loans, hospital bills, store cards, credit cards, etc. So, if you have incurred these types of debts, then you can get enrolled in a debt consolidation program. Various consolidation companies offer this program. You can get help from any of them. Once you get enrolled in the program, the company will negotiate with your creditors to lower the interest rates on your loans. You'll only have to make one monthly payment to the company. The company will forward it to your creditors.

I would call 866-833-6398 they don't take any upfront fees and you pay the creditor directly and they only charge a small fee after the settlement letter is sent directly from the creditor or it's agent. They can settle between 20-35 cents on the dollar.