Credit Counseling/Debt Consolidation?

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

My father is substantially removing ordered soured tomorrow…

We have been meditative of perplexing to enter the assign label debt, though do not know which choice is best. We have about 23K we have been perplexing to verify caring of…all assign cards…it sucks. We have been creation payments over the min now, though things have been starting to intend tight.

Wells Fargo told us they could enter about 10K as well as hurl in to the automobile loan. We do not desire to do that, cars have been so dangerous as well 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 know assign conversing negotiates your rates with the companies as well as gets we the turn remuneration (hopefully during the turn rate) to compensate soured over time, though it additionally puts the vital hole in your assign score.

Any advice?