What is the best debt consolidation Program out there ?
Question:
Answer:
Honestly, YOU are ...grab the phone, pen and paper, and ALL your credit cards, and a strong cup of coffee..call them, ask for temporary reduction in interest, lower minimum paymts, whatever you need...
list your creditors in order: smallest balance first .pay every penny you can..look under the couch cushion, have a garage sale..and pay it off fast.Once you have that victory under your belt.you will start to feel a small sense of control..
cancel your cable, long distance..get a cheaper cell phone plan...Not forever, just until you don't feel so desperate.
Good Luck and don't give up...
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