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nita1970

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how can i combine my debt to one payment

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If you can be approved, you might look into a "debt consolidation loan" or a "balance transfer card". For most the best thing may be a "debt consolidation loan" as it can be hard to be approved for a balance transfer card with a high enough limit to cover all your debts, then you may be maxing out the card to cover the debt and that results in credit score damage until paid down. Whatever you do, if you would end up with a debt consolidation loan, cut up those credit cards so you can't use them, no need to close the accounts as that would probably hurt your credit, but you wouldn't want to rack up more debt and be in twice the trouble that you are now. Some other options that may be better, is to: get extra hours at work or a second job, set a better budget, downsize or downgrade where you can, ex. less expensive phone plans, tv plans, etc. Sell things that you don't need. Find a less expensive car or home, etc. Apply all of this saved money to your debts.

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