Best answer from question by eighb:
Answer by bigdan6974
Hey, Its a good thing you want to get your debt in check. I wanna offer you an alternative to a debt consolodation loan. Its called a debt snowball. Gather up all your bills and look at the outstanding balances. take the smalles balance that you owe and throw every penny you got at it while making minimum payments on everything else. once that debt is paid of you take the money you were paying on that bill and apply it to the next one. My wife and I are doing this while I’m in Afghanistan and we will have about $ 13,000 paid off by the time I come home. We started making payments of $ 250 a month on a $ 700 credit card, we are making payments of $ 2,000 a month right now! It takes time and a lot of discipline but it does wonders for your credit rating….but I have no interest in going into debt again.
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan
however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is:
http://umgarticles.atspace.com/debt-consolidation.htm
you can use http://www.researchitforme.com/wesayes/loans
or
http://www.wesayes.com
both do what your asking for