Credit counseling or debt consolidation? so confused!!!?

Question

my husband and i are in credit card debt 35,000.. medical bills around 1,800 and school loan about 5,600... we are paying them all the minimum and killing ourselves doing so. we both work and hard to so please no answers about a second job. we are renting right now and are always late paying rent and car payments and our car was just repo last night. we are stuck right now and really don't want to file bankrup. my question is since we are a paying things on time can we even do credit counseling or debt consolitation? i heard that you need to be behind on your debts is that true? and what is the difference between credit counseling and debt consolidation. thank you very much for the help...

Answer 1

Debt consolidation can help you to relief debt to control over your debt your debt – this is actually  lowering your existing debt rates, getting a better way to pay loan , or splitting your payments to get debt paid faster and easier.

You may get some information and articles about debt consolidation from
http://nfo.atspace.com