And, did everything work out for you : I really need advice. Thank you

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It was a painful experience that was not worth it. It took MONTHS for the consolidation to be finalized, and all the while, based upon THEIR advice, we didn't pay our credit bills. So of course, our situation (including credit scores) got worse, the calls continued, etc.

When the agreements were all finally in place between the debt consolidation firm and all of our creditors, we were treated as if we had declared Chapter 13 Bankruptcy!! We were turned down flat for the few loans we requested, including a used car loan.

Avoid it if at all possible.

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Talk to your loan companies first. They will sometimes do a deal for you. Consolidating is good, just remember to put away the money you save in a rainy day fund. That way you will not have to borrow again. Pay the loans off, live a longer happier life.

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