me and my husband are in a lot of debt at the minute as my husband was out of work for about 3 months. and i'm on maternity leave from my job (which pays pitence anyway)during this time we didn't pay our mortgage and other bills, also maxed out 3 credit cards as we have a 16week old baby who needs to have nappies etc so we had to get them somehow.
we have rang a debt consolidation company but not actually accepted yet as some family members are saying not to do it, where other family members are telling us to.
my husband is now working although it's monthly pay and he just missed the cut off date so we are still living off my maternity pay until he gets paid.
the council won't help coz i earn just over 100 a week. (114 i get)
have you ever done debt consolidation? was it the right coice for you? any comments will be apprieciated. thanx
my local citizens advice are rubish
i apprieciate the advice but would that be a yes or no?

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The citizens advice should be able to help. I don't understand why you say they are rubbish. Any debt consolidation will cost you more in the long run. You need independent debt advice. Not fee paying advice! The way the citizens advice should do it, is to sit down with you and work out how much you need to get buy on. Then whats left over is split equally between the people you owe money to. Then they write on your behalf making an offer of a regular payment.

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Hi,
Debt consolidation means entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan.

If you want more help about Debt Consolidation so visit my signature link.

Hi, I am a debt adviser and the Business I work for provide free advice and have many options available to help people like yourselves get back in control of their finances as it is clear from your comments that you want to pay the debt but at an affordable level and whilst still being able to pay for essentials and I appreciate its very difficult when you've got a new born baby to look after!

Please feel free to private message me with your number or asking for mine and I would be happy to help point you in the right direction as we have many options available.

Thanks

Hey i think it would be great if u go with it..
i dint knew that be such an important point to know it..
its great to know more about the topic..
thanks for sharing a great informative post..
thanks...

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personal financial planning
frugal living

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