Credit consolidation or debt management?

Question:

I have bad credit and have a lot of bills. I've looked at credit consolidation and debt management but most of them said they don't include car loans, to which I have 2 of them, and some don't do business in Washington state. I don't know which one's the best route. I just want get my life back on track and find a solution

debt management -
will make u do a single payment and them they will split it among your creditors

car loans - u have to handle that alone - but once u make 1 payment for the rest of your loans it should be okay to handle your car loans

if it aint necessary to have two cars - sell one

I would seriously consider doing all you can on your own first before succumbing to consolidation services etc.

There are many.many things you can do on your own. If you don't know where to start or are confused about the process I suggest going to the sites below to get a clearer idea.

http://www.creditips.com/blog/index.php...

your bets bet is a chapter 13 bankruptcy.

Opt for a debt consolidation loan: The easiest method of getting a debt consolidation loan is to utilize the equity of your home. Equity of your home is calculated and determined by the difference in the amount you have paid and the amount you owe. If the amount you have paid is more than the amount due, you can use it as collateral. This allows you to borrow money on lower interest rates. Besides, you also get tax benefit on this type of loan. Consult your tax advisor before opting for this loan.

Credit consolidation or debt management?

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