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first thing you need to do is reorganize first get rid of all the credit cards. then take one at a time pay all the extra income you get on it usually the smallest one first so you feel like your getting somewhere. you can get a consolidation company who freezes the interest they charge and make one payment a month and they devie it up amoung your creditors there are a lot of options but the major one is you really want to get debt free not just out from under what youve acumulated, or youll get right back into it.
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.