Is there any really "FREE" help services for debt consolidation? I need help but short on cash!?

Question

I am afraid most of the ads I've seen charge a big fee for these services. Has anyone tried any that were free and if so please give me website or names.

Answer 1

nothing is "free"--those debt consolidation companies want their money, too. Better to pay off the debts yourself. Make a budget (easy) and stick to it (hard). If you have debt that charges you interest, pay the debt with the highest rate first, then the next-highest-rate bill, pay it off. Yes, it will take time, but it can be done, and then you will be so proud of yourself. It takes personal discipline, not a debt consolidation company, to get you caught up. And if you can, get a part time second job and use that money to pay your debt. Just keep telling yourself the second job is only for a short time until you are back on your feet. Good luck.

Answer 2

Consumer Credit Counseling charges a nominal fee if you can afford it.  They are run by the government and non-profit.  I'd try them.

I've heard bad things about private companies.  Some hold on to your money for a while and so you end up with late fees in addition.  Some don't really help, but charge you a lot.

Answer 3

You can get it here over here a complete FREE debt consolidation services at : http://www.debtreduction123.net its absolutely free, I got my consolidation loan from there, they haven't charge me anything.