Okay, here’s the deal- i have major credit debt- including school loans, old credit cards, charged off bank accounts, doctor bills, etc. My debt maybe totals ,500. I made a deal with my cc to pay 0 a month, but sometimes i’m not even able to do that. My student loans will start being required to be paid in January- but i don’t have any kind of degree. I’m stuck in a dead-end job making .50 an hour.
Anyone know if the credit consolidations go against your credit or is it really just help with no consequences? I need some serious help- i’m horrible with money…..
thanks, but i owe the Library for overdue books and they won’t let me take any books out til i pay them… i told you i’m in a mess…. 
Sounds like you have an income problem. You need a second job or a better job.
DON’T do debt consolidation. It just moves your debt around. It rolls high interest items AND LOW interest items into the same loan at a mid-range interest rate. It might lower your monthly payments, but that means it will take even LONGER to get out of debt. It also frees up all your lines of credit so you can simply run them up again! Finally, you often have to pay a loan origination fee.
You don’t need anyone to do it for you. All they do is negotiate your debts for you and collect a fee. You can do it yourself!
Call all of them and work out a payment plan and try to get your interest lowered or stopped.
Then, make the minimum payments on every one of them. On the lowest dollar value, put all your extra effort toward paying it off. Once it is paid off, then roll that extra money to the next largest balance. Continue this snowball until all your debts are paid off.
You probably need to cut your expenses back to the bare minimum. Get rid of cable, cell phones, internet, etc. Lower your electric bill, gas bill, water bill, etc. Don’t eat at a restaurant until your debts are under control. Take a sandwich for lunch. Cancel the gym membership.
Try to increase your income by getting a second job. If you have a car with payments, get rid of it, and buy a good dependable used car for CASH.
Go to the library and get "The Total Money Makeover". Read it and follow it carefully.
Go check out Dave’s website as well.
http://www.daveramsey.com