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I am in of some info my mother is on disabilty income and she has gotten over her head in secured loans the ones that u put up collateral. I try to help her out paying on some of them but I have over extended my self. Is there any companies that offer some sort of consolidation for this. She doesnt have bad credit but it is not perfect either. Can some one pleeeeseee help!!!
Is the debt really bad? If not then you could do your own consolidation. Make a list of your income and expenditure. Then find out how much debt you have to repay. Spread out the debts you have and assign a payable amount each month. Remember, don't opt for the least payment each month. This will further affect your credit score. Increase the amount you pay each month. After the plan is done, start negotiating with lenders and find out if the lenders will be willing to negotiate with you.
If you cannot do any of these you can always seek professional help from a debt consolidating company.