Does anyone know the best way to go about getting debt consolidation advice? I don't qualify for any sort of loan, but I really need help with my debt, I just bought a house and due to fix ups on it my credit cards are maxed out and I can't seem to get them to go down. Does anyone have any advice? Or ideas on how to fix up an old house without sucking your wallet dry?

I need to find out where I can a debt consolidation loan, even though I have bad credit due to some unforseen circumstances in life. Has anyone gone through this and who do you recommend? What about filing for bankruptcy - how long does that take before the debts are discharged?

Any advice on a trustworthy company to apply for a debt consolidation loan? anything online?

I am in debt by quite a considerable amount and would like to possibly consolidate my debts so that I can afford to pay them off better and also to be able to just pay one monthly payment. I dont know much about all this and was wondering if I do this will the company actually pay off my debts so that my credit score will be getting repaired why I am paying the consolidation company monthly? I dont want to go ahead with it if it is not going to make my credit score get any better or go back to how it should be. Any advice or help would be appreciated. Thanks in advance!!

How does it affect my credit ? How does this thing work ?

I have been transferring balances and making payments but I would like to know if there are any viable loan options to turn it into one payment without killing my credit score. Any help would be appreciated.

Hello, Im in much credit card debt, around $40,000, and was wondering if someone knows of a good reputable debt consolidation company that can help me, Thanks.

My friend and her husband have a huge credit card debt (42,000) and she recently had to stop working due to a difficult pregnancy. They cannot make their payments any longer. The debt is in her name only and they are considering a credit card debt consolidation company but she is wondering would it affect her husbands credit if she filed it in her name only. Anyone been through this or have advice? Serious answers only please...they are having a really rough time right now.

Can anyone recommend a good, legit credit card debt consolidation for the state of NJ. I need to consolidate a few cards and I always hear bad things about these services but i really need one payment for all cards. Any recommendations in NJ?

Any advice on getting rid of credit card debt with a low paying salary?