debt problem
Debt consolidation or not?
I am having a hard time choosing between solution to my debt problem. i have around 00 in credit card debts right now. All of them are in collection agencies now and I have no means in paying all of them and all are delinquent too. I've been thinking of doing a debt program. I've been looking around and have seen debt consolidation programs, debt settlement programs, consumer credit counseling, credit counseling agencies and debt management plan… and I have a feeling there are more I don't know of. My question is which one would be the best option. By now I know my credit is bad and I have nothing to put into collateral. I'm not really comfortable in doing anything online because I want to see and talk to someone face to face. What are the fees involved in the programs? Do you have to pay them monthly too? I just need all the information I can get right now.
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