How do you know if you should seek professional debt help?
For instance, at what point should you consider debt consolidation loans, credit counselors, and/or bankrupcy? This is given that I understand the responsible use of money, but live in a crappy economy and in one of the crappiest states for crappy economies in the U.S.A. Just looking for some advice from those who are experienced and/or knowlegable in this area. Thanks!
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My husband and I used a Debt Negotiator, not a Consolidator. Be careful who you go with, sometimes consolidators will make you file bankruptcy anyway. The company we used is called DEBTCO and they have website (debtco.com). We have one creditor left for them to pay off and then we're done! They settled most of our accounts for 40% of what we owed.