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Old 01-12-2013, 01:50 PM   #1
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Debt consolidation

Can I get opinions and more info/experiences? We have paid off debt before and did it within a year. We have debt again, and have been trying to pay towards it, and just cant seem to get enough to get anywhere....we are keeping up with minimums, but barely. It wont be paid off in the foreseeable future and I am considering debt consolidation.


Last edited by harmoni247; 01-12-2013 at 05:16 PM.
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Old 01-13-2013, 01:16 AM   #2
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Re: Debt consolidation

I don't have any first hand experience. All I know is my BIL did a debt consolidation and when they went to buy a house and car years later they had to get their parents to co-sign and their interest rates are terrible. The mortgage person they talked to said a bankruptcy would've been easier on is credit.

How much debt do you have? Have you tried letting the ladies here dissect your budget? It's painful but helpful
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