About Jawz06

 in response to seekinghelp2012...   how do you eat an elephant? one bite at a time. the answer is a snowball effect with a livable budget. key word livable. you cannot live on romen noodles and staying home. but you can eliminate that debt on your own con-solidation places are just that. even if they are ligit and mean well the power needs to lye on you. i have done this too. live and learn trust me snow ball that 500.oo a month in ten months you would have taken care of 5,000 of that debt, but at the rate it will go faster than that. because your other debts will be eliminated entirely. write down all of you debts even if there is an over due library book. 1 dollars. to largest debt home mortguage. pay only the minimum payments on all of them and focus the remaining money on the smallest or smallest 2-3 debts say a furniture bill or small credit card. and then pour the savings into next months debts and repeat. i got a easy to under stand from a chapter in the book called "Getting control: the complete guide to getting yourself out of horrible debt by troy flora available on amazon.com good luck! any qestions just ask me. i did it and you can too.

 in response to dogeatdog...   Hello, from past experiences I agree with this post.
Have a great day!

 in response to seekinghelp2012...   Consolidating debts is rarely the best way to go in trying to reduce your debt levels. Best thing to do is to develope a budget and a plan and stick to it.

Does anyone know of a place to consolidate debts for persons with bad credit. I would even consider peer to peer lending if there are any wealthy individuals willing to help a single, graduate student, with a full time job. I've suffered some financial misfortunes but I'm trying to get back on track. I need about $50,000 and I can comfortably pay be $450 - $550 per month. Please help in any way that you can and it will be greatly appreciated.