Debt Consolidation
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Debt Consolidation
is there any way to consolidate credit card bills and past due debt without having any bad effect on credit history?
Debt Consolidation
These 4 options seem to be my top chocies:
1. Consumer Credit Couseling
2. Debt Consolidation
3. Debt Settlement
4. Bankruptcy

Please list any others in your answer if you think they are a better option.

Thank you
Why are the pros and cons of each option?

Debt Consolidation
I need something that can give me a great rate because I have a lot of debt.. I need something that can most of it for me so I can pay one payment… I have a truck, AC, furnisher & credit cards. With all that is comes up to about $35,000.00 or so… My tuck is the high dollar one… LoL My credit is not the best (fair) so I need someone to work with that. Do you know of any good companies that can help me out?
Debt Consolidation
In a debt consolidation program is it likely that you will be able to obtain additional credit?
Debt Consolidation
and how do i know the difference? or are there any differences?
Debt Consolidation
What is debt consolidation and what does it do to your credit?
Debt Consolidation
Online debt consolidation programs help individuals to research, apply and take part in debt reduction programs. The consumer can manage the financing… source: http://www.affiliatetier.com/A_Guide_to_Debt_Cons.php

What is the difference between online debt consolidation and other debt consolidation? The source I posted explains online debt consolidation, but is it any different than debt consolidation not online?

Debt Consolidation
Probably cant get a loan to pay them off because of my bad credit? My mom has good credit and might help me out though. Still wouldnt even know where to start.

My cards are in horrible standing. At this point they are all closed accounts. They want their money in full (or a settled amount). I have a better job now and I can afford to pay 250 a month towards this.

Any debt consolidation ideas; loan ideas; debt-relief programs??!?!?!

Debt Consolidation
Or do I have to do something else in order to get a better raiting?