[darling1]

I am in the process of doing debt consolidation. I did it once before and it was very helpful in that I got to manage my money better and just pay one bill. I have a friend who consolidated and it has worked well for her also. In addition to making her one monthly payment after a few months she began sending additional payment directly to her creditors. Eventhough, the debt consolidation company discouraged it, she did it anyway and was able to cut down the amount of time she was doing her debt consolidation. Ultimately she was able to pay off her obligations faster. She currently has good credit and is in the process of looking for her second house...all with a salary that is under $30,000.