Booa,Here is my reseach on credit counseling. Sometimes debt consolidation is almost the same thing. See my list explaining this go to http://www.subrosabooks.com They have a book how to BS your creditors.They will let you download a free addendum. I don't agree with all their stuff but I learned some things.debt websites This is a wordpad document from here down except the goodbyes.http://www.debttoworth.com he is a private man with methods for getting out of debt He teaches classes here at Univ of New Mexico Continuning Education. He does not work for the credit card companies as the nonprofit places do. I will probably use him. Either that or get a cosigner on 2nd mortgage to get a lower interest rate because debt ratios are too high.http://www.consumercredit.com/http://www.consumerfed.org/http://www.000-debt-consolidation.com/default.asphttp://www.help-consolidate-debt.com/http://www.debtsynergy.com/http://www.debtadvice.org/ consumer credit counselinghttp://www.credit.org/ told Laura about Springboardhttp://www.debtconsolidation.com/http://community-2.webtv.net/Y-chat/WhyChatsCredit/http://members.aol.com/victcrdrpt/welcome.htmlhttp://www.truthaboutcredit.org/http://consumers.creditnet.com/ credit cardshttp://www.myvesta.org/ non profithttp://www.lawdog.com/ state lawshttp://www.subrosastore.com/ recommend book BS your creditorshttp://www.help-consolidate-debt.com/debtsites.htm linkshttp://www.dinkytown.com lots of financial calculatorshttp://www.debttowealth.comgood luckTrishI would have responded sooner but, my internet connection has been down a few times.
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