hi there! Yes I am posting these links below to people with similar problems and I am getting tons of best answers, not sure which one of them is doing the trick though just take your time and go through it you are bound to find what helps you out!
http://credit-cards.ebookorama.com
http://credit-repair.ebookorama.com
if you get any luck please don't forget about me, hope it helped you.
You can visit http://www.cashguru.info and find very useful tips and several articles on debt consolidation. http://answers.yahoo.com/question/accuse_write?qid=20060911061303AAJIa8C&kid=Pa1wCFHIBVD5pRX7NZNa&s=comm&date=2007-07-03+04%3A28%3A56&.crumb=
Get valuable tips on debt consolidation from http://moneymentor.cashmatter.info . It's a very useful website. http://answers.yahoo.com/question/accuse_write?qid=20060911061303AAJIa8C&kid=BMVKLTrNIzHaDsqVY1tO&s=comm&date=2007-10-02+19%3A58%3A59&.crumb=
The answer will depend on your circumstances. Your best course is to do your own research, get several quotes and do not let anyone pressure you into a plan that you are not happy with. It sounds like you have several possible options, so be choosy!
This website has a useful article about just this topic. I hope it will help you.
Good luck!
There is some useful advice here.
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