I'm having hard time paying my bills, I'm not sure

I'm having hard time paying my bills, I'm not sure if I should I do debt consolidation, debt management or file for bankrupcy.
I live in NYC does anybody where I can go for free advice?

1 Answers

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What type of debts do you have? You can contact the local debt relief companies and discuss your situation with them. They will look into your situation and let you know which option will be best suited for you. I will, however, suggest you to avoid bankruptcy as it will have severe negative affect on your credit report compared to a debt consolidation or debt management.


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