debt

I have debt problem and still know it is manageable.

I just want to know the use of a debt consolidation program. Is it really effective?

I want to work with a debt consolidation company that pays off the debt on your credit report quickly and have you pay them monthly.

I do not want a consolidation company that only pays the collectors as you pay them.

I have over 10,000 dollars worth of credit card debt. Should I consider consolidating?

I can afford the payments no problem, but in the long run, the interest may be more than what I could have paid if I was in a debt consolidation program.

Does that make sense to you?

Thank you for your time.

He is recieving SSP and has over 30,000 of debt.
He gets letter calls etc about paying it off, but he can’t because he only gets 70 pounds per week to live on.
What is the best way to stop this hassle and get a solution that the creditors will accept?

I am thinking about doing debt consolidation, but am confused by all the different companies out there. I have heard that there are a lot of shady companies. Does anyone have some helpful advice. My debt is not a huge amount (00), but I am tired of paying and paying on them and never seeing a difference on the balances.