Is Debt Consolidation for me?

Well, if you’re like me, you may find yourself selecting which of your bills you can, and which of your bills you
cannot pay. How do I get this to stop? How can I, without needing to increase my income, find a way to pay ALL of my bills on time, and still have money left over to live my life with? The answer is: yes you can. By consolidating your past and current debt into ONE monthly payment, you will relieve yourself of the continual perplexity of not knowing which debt to pay-off first. Okay, WHO will help me do this? A Non-Profit Credit Counseling or Debt Consolidation Organization. A debt consolidation company can negotiate with creditors to consolidate your bills into a new loan with their company. Usually, they will make an agreement with each creditor in writing, showing you what exactly will be reported on your credit report as a result of the consolidation. This organization will assign you a Credit Counselor who will meet privately with you, go over all of your finances, and together, you BOTH will come up with a Debt Relief Plan! Today, most of us can’t worry about what our credit score is because we are simply trying to “get by,” in other words, “living paycheck to paycheck.”…and this is me, so you’re not alone.