Going to a consumer credit counseling service will help you get your debt more manageable to your income ratio. You have more bills coming in than you do income and you need their help. They will help you by doing the following:
- Reducing Interest Rates
- Stopping Collection Calls
- Consolidating Payments
- Providing personal solutions
- Starting a plan of action
The consumer credit councilors can stop all your bill collectors from calling and reduce all your payments into one easy to manage payment through them. They will dole out the amount of your payment they come up with to each of your creditors and they have to abide by it. Now you will get back on track. The counselors will also help you manage your money so you can stay out of debt once your bills are paid off.