Well, I was just curious if anyone here has ever worked with one of these debt consolidation firms and what their success was...
Basically, I'm 21, and at 18 I destroyed my credit, and have just a few collections tagging my credit, which, my cred sucks, for the record...
I know I could go, run my credit, and contact all ppl who I owe, and work a payment schedule out, but I'm already so strapped w/my monthly's that I think that would overschedule my finances, so I'm considering contacting a credit counselor/consolidator....
Any input/ advice/ knowledge would be appreciated....