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Many people ask me about the debt consolidation programs that are available.  I have made no secret about my own personal battle with debt.  Two years ago, I had just split with my husband, and found myself with a lot of bills and a very little income.  Unfortunately, I really had not prepared for being single with carryover bills from my marriage.  I struggled trying to pay my bills and did everything I could.  I took out payday loans, borrowed from one card to pay another, until I hit rock bottom.  I was afraid to answer my phone, and each time I did there was someone on the other end of the phone hollering at me, telling me what a bad and irresponsible human being I was being for not paying my bills.  I would get off the phone in tears, which quite honestly is why I stopped answering the phone.

One night I was up late worrying about what lay ahead, when a commercial for  ways to eliminate debt came on TV.  I thought to myself, well I am already in quite a mess, so how bad could it be.  I called them right away that night, and got all my bills together the next day and had a phone conference with them, and they were able to help me right away.  I couldn’t believe it, but they got everything ironed out with my bill collector’s and all my crazy harassing phone calls stopped.  I was free.  They set up one monthly payment for me, within my means, and now I am finally just about a year away from being debt free.  Not only that, but my credit must be improving as I am beginning to receive credit card offers in the mail.  I am not getting any more cards right now, but it is nice to see that my credit is improving.

consolidate debts -it is the best thing I have ever done.  It has helped me get out from the weight of debt that nearly killed me.  I feel free to live, to answer my phone, and to buy a cup of coffee.  I could go into detail about what they did for me, but let me just say it like this…They gave me my life back.  I have never felt more in control of my own destiny and it is awesome.  If you are contemplating debt consolidation I have only one suggestion for you…DO IT NOW!!!