I was in the same situation and I started with Money Management International. It was really cool cuz’ they consolidated all my debts together w/one monthly payment and a much much lower interest rate. The only hard part is that while in the program you will not get approved for any other line of credit of anything. Its nice though because it doesn’t effect your credit once you’ve paid off your debts, it just goes away 
.. I’d check it out. Its really helped me. Oh one thing though if you do go through them and get a lower interest rate and say a year of whatever down the line you want to exit the program and just pay your debts by yourself, your interest rates will go back up to what you had before, unless you can work something out with the creditor…Thats what I’m trying to do right now but for some reason they wont give me the same interest rate they’re giving the company whom I pay to pay them- weird huh??
If you are experiencing difficulties in paying your house rent or personal problem including business you can apply for a loan at
they helped when i was in same condition like you at a very low and surprising rate.
Whatever you do, don’t go to Consumers Credit Counselors. Did that several years ago and paid for months and months, only to end up filing bankruptcy anyway because they hadn’t been paying the creditors. Still don’t know what they did with my money.
You need to choose a legitimate company which helps you in tackling your debt problems. I have been into a debt consolidation program for more than a year now and I am almost debt free now. I enrolled into the debt reduction program from freedom debt relief.
With Debt Settlement or Debt Consolidation you can reduce or restructure your personal or business debt, or receive free help to decide which option is best for you, to ultimately achieve peace of mind.
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i work for a debt settlement company and i could help you out. if you want more info shoot me an email at
hope to hear from you
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December 31st, 2009 at 8:55 am
You need to go to consumer credit counseling service. They are non profit and will work with creditors to reduce payments and interest rates. Check your yellow pages for nearest one to you. They are nationwide.