Credit Counseling/Debt Consolidation?

I requirement assistance as substantially as we do not undergo where to turn. Yahoo answers is substantially not the most appropriate solution, though we desire to undergo what the surpass as substantially as file think.

My ascendant is substantially removing ordered off tomorrow…

We hit been meditative of unclear to enter the assign adjudge debt, though do not undergo which choice is best. We hit most 23K we hit been unclear to verify caring of…all assign cards…it sucks. We hit been creation payments over the min now, though things hit been play to get tight.

Wells Fargo told us they could enter most 10K as substantially as hurl in to the automobile loan. We do not desire to do that, cars hit been so dangerous as substantially as we do not indispensably desire to end up w/ disastrous equity. Our residence has unheeded so most which we can’t unequivocally refinance.

I undergo assign conversing negotiates your rates with the companies as substantially as gets we the reduce remuneration (hopefully during the reduce rate) to equilibrate off over time, though it additionally puts the vital hole in your assign score.

Any advice?