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Originally Posted by dgorila1  The thought of going to cedit counseling to consolidate the payments into one set amount and have them negotiate a reduced % rate crosses my mind, but I know it'll end up ruining my credit (which I don't intend to rely on much after I pay everything off, but its good to have it if needed). Same for bankruptcy. |
I can see that you are really are in a bad situation. You seemed confused on what to do. You should go on with your debt consolidation plans because it would really help you. You can also do your
loan consolidation through banks for faster payments. Do not speculate about things, research about it very well. There are a lot of resources on line that will enlighten you.