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I am only 23 years old and currently have 2 car payments totaling about 35K in debt.

should I consolidate or is that a bad thing?

I want out of debt. Please help me?

Who do I talk to and whats the best method to help get out of this problem?

I work full time as a landscaper and do make decent money but after winter months i will have money to pay off bills.. but where do i begin?

3 Thoughts on Where do I get help for credit problems?
  1. Reply
    Sergei L
    January 3, 2013 at 3:20 am

    This site has some contacts that help with financial problems. Hope this helps.

    Good luck!

  2. Reply
    Michael H
    January 3, 2013 at 3:37 am

    I understand that having good wheels are important. But, it is also important not to stress about having to make such big payments. I hope that you can unload at least one of the cars (maybe both) and get something more affordable for less.

    You should also consider other work to supplement your income during the down times. Consider a business that you know how to make money on a regular consistent basis selling a product or service that everyone needs right now. Consider offering some of your services via free marketing websites such those listed below.

    For issues regarding debt, credit, credit cards, home loans and income management, visit here:

  3. Reply
    January 3, 2013 at 4:15 am

    Look in phone book for credit counseling, but avoid any that charge a fee or offer a deal that sounds too good to be true. Stay in touch with the lender, and pay what you can. If you have tile for cars did you ever consider selling one if possible.Debt consolidation is very tricky there are so many scams artist out there, talk with free credit counseling and your loan officer, and see who can give you a better deal.

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