I worked on this by paying off credit card balances and trying to 'herd' all outstanding balances together in what ever way I can. MUCH easier to manage and get a handle on.

used the house to pay off everything, but now I can't pay the house note.

Stop right there. If you have to consolidate then you are about to go on the journey of the twilight zone.

My husband and I are our own clients, and the friends and associates we have helped with our business all appear to be satisfied.

no they charge you money to use their program

Ok. bt if if you don't have enough income, focus on earning more. Fees are high and its a headache.

Have done 15 yrs ago and probably will need to do again

My grandmother financed a collateralized loan for me. The payments come right out of my paycheck so it's been nice not to have to think about all the people I owe.

Moving things to create space

This is helping quite a bit and is linked with my Credit Counseling program. There is low interest, so the money gets applied to the principle right away.

We've done this at least twice before and it does work- provided we don't start charging again.

I did a balance transfer to consolidate my debt and now I'm paying it offf.

We get so many offers for 0% cards. But we only transfer cap or it will save us in the end, otherwise it's not worth it. Just because it's 0%interest it doesn't mean it's a good deal.

We were able to take alot of our debt an dput it on 0% credit cards and even though I know many financial counselors will tell you not to do this we were able to do this for several years by flipping cards until we had our debt paid off, We were even able to purchase my husbands car with a credit card check,escaping the large percent fees you usually get caught with but you MUST pay more than the minimum.

Made 5 year contract to pay all but one credit card.