To tell you the truth, those debt consolidation companies charge you a hefty few (sometimes) and ruin your credit, to do the same thing that you can do on your own.

I haven’t heard of any that give you a loan, though. Sorry.

I, too, have felt the “pinch” of debt exceeding income. I searched the Internet for a reputable Debt Consolidation solution. After weighing the options of several, I settled on Credit Exchange. Their representatives had a genuine empathy with my situation, and came up with an excellent plan for me. This is not a loan. They negotiate with creditors to reduce the amount of debt owed. My monthly payments were reduced by 60+%.

You will also be represented by a law firm that specializes in these matters. I have been in this program for one year now, and it has made a dramatic change in my budget woes.

The phone number is 1-800-810-3390. Have the following information ready when you call:
Total debt
Total monthly income
Total monthly expenses

Try it. It may just be well worth it.