Are you sick of living to avoid your creditors? Do you want to get out of debt for good and stay out of debt? Does it make any sense that someone that cannot pay on their debts should pay money to get out of debt? No it most certainly does not, but there is free debt consolidation help out there if you know where to look.
The first place to start is with your local church. There is always someone in a church that has volunteered to help the members of the church get out of debt and on the road to a better financial life. They are usually an accountant, financial advisor, or even the pastor or priest. They will counsel you so that you can get out of debt and they will not charge you a cent.
Another option is to do it yourself. You better have some serious discipline and if you have a family, they better be ready to be supportive and change their way of life some. You will have to set up a budget, stick to it, write your creditors asking for settlement offers, and pay off each creditor one by one until you have no more debts.
The last option does have a fee, but it is minimal. You can do not for profit credit counseling to get out of debt. This is not free debt consolidation help, but they will work with what you can afford and will help you get out of debt for good. They will also teach you how to stay out of debt, budget, and save money so you do not go back to the financial disaster you are currently in.
