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Posted in Paying Your Bills
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ChristopherJ1280

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Multiple loans and Credit Card Debt that I want to consolidate
Trying to consolidate my credit debt and loans into one monthly payment without resorting to bankruptcy.

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Top Contributor
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if you are considering bankruptcy as an option, this would give the impression that you already have had missed payments.   If this is the case, the more you have, the harder it will be to secure a loan in which to consolidate the debt.   You could consider a legit debt counselor who may be able to help you.   It could end up closing many of your accounts under a lower payment plan and possibly negotiation of a lower balance.   This would lower your credit score, although, if missed payments are already on your record, it couldn't get much worse.

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