I am first of all sorry that you are in this situation right now. I would recommend that you call the local CCCS or Consumer Credit Counseling Service in your area, you may want to check with the BBB to see the one you want to deal with. This company is a non-profit agency set up to consolidate your debt and lower your APR rate which can help you out a ton. I believe that they ask for a donation, but you are not required to give one. If you have any credit cards that you will be putting into this program they will have you cut them up so you will not be able to use them anymore, their goal is to get you our of debt. Again keep in mind that this is a non-profit company so do not let them tell you that there will be a set fee involved with consolidating your debt. Good Luck for the New Year '08
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