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What is the best debt settlement for $12,000 and lower debt?

I recently switched jobs making significantly less money. Now I am past due with bills and am getting some pretty rude calls from creditors. I want to pay them but am having a hard time. I have been seeing commercials about debt settlement and needed some help deciding who to go through. I have a little less than $12,000 to pay off. Please site sources when you can and THANKS ahead of time!

Asked By: Krista F - 1/30/2008
Best Answer - Chosen by Asker
The best thing to do is get a copy of "The Total Money Makeover" by Dave Ramsey... More
Answered By: Jeff - 1/31/2008
Additional Answers (3)
Just consodilate your bills through companies like CCC Credit Counseling. They'll give you 1 payment to them, and then dispurse it. And the cool trick is the CC companies won't accept you till you skip a few months. Your credit will fall downhill till its paid off, but stop stressing...people are out there to help!
Answered By: Mateo - 1/30/2008
 
Never, ever do a home equity loan. If you put that money on your house and something happens where you can't make the payments they will come and take your house... More
Answered By: heybulldog - 1/30/2008
 
Hi, Please click my profile to read the answer.
Answered By: Jenifer - 2/1/2008
 
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