kapon said:
how do i go about consolidating my debt so i don't have to pay outrageous interest payments to "many" different places?
I get these solicitations in the mail, but I am not sure how about the companies.
thanks for your suggestions.
First thing you should do is cut up your credit cards. That will prevent you from buying anymore stuff that you cannot afford. Then you can try to get a debt consolidation loan or just start paying off what you have by attacking the smallest debt first. Get that one gone and then work on the next and so forth. You can also sale things to generate extra cash e.g. garage sale, stop eating out, giving up things you don't really need like cable, premium access to Texags, etc.
If you really want to pay off deft you have to get lean and mean on attacking the debt and yes Dave Ramsey can help you out if you really follow his advice.