Debt consolidation uslualy is not a good idea for the reasons mentioned above. Taking on more debt is never a solution to getting out of debt.Call each of your creditors and explain the situation. Negotiate for more favorable payment terms yourself. Cut all your expenses to the bone (let the cell phone, cable, etc. go). Get a second job. Concentrate on paying off the highest interest debt first.No easy solutions here. Good luck.References :
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