I'm so far behind on all my bills! I'm terrified to open my mail because it makes me sick to see the balance. We're talking electric bill, old medical bills, the ever popular student loans (which i think just went back into default). I feel like I'm drowning in all these back bills that I want to pay but I just don't know where to start. I've heard of debt consolidaiton but I heard that they're all scams and you don't get your bills paid. Honestly I don't know much about credit counseling but it's scarey to me as well. It's taking everything I've got to take this first step and I want to make sure it's the right one. I have almost $0 in my bank account until payday, and even then it won't be much. Any suggestions on which is the best way to go or the names of reputable companies? Anything in Iowa or the Midwest would really be great. Thanks so much everyone!!
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