Wondering how to Consolidate

I am trying to get out of debt to improve my credit score, but its not coming together as well as I hoped.

I have debt in the following places:
capital One - around $2000
At&t - around $700
Direct TV - around $200
Payday Loan - $400
Capital One is what is really killing me, I cant catch up with them and they don\'t want to make any deals.

It wouldn\'t be so bad if I didn\'t have to just lease a car to where the insurance plus the payments on the car a month total about $500.

So I have two questions:
1) With consolidating debt, would the ATT and DirectTV be in that, if they have contacted a 3rd Party CA? So that I can take down all 4 bills in one go, and make life a little bit easier?

2)Is there any way I could take the remaining amount I owe on the car (about $9000), and then add in my other debt (capital one, att, direct tv, payday loan, bringing all of it to a rough total of $12,500), so that I could just have one bill a month and in turn also lower my insurance since it would pay off the car company so that I wouldn\'t have to be fully covered?

Also, I live in Colorado.

3 Answers

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If you want to know what is debt consolidation program is all about, then look at this link: http://www.debtconsolidationcare.com/program.html


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You can pay off your unsecured debts through a debt consolidation program. This may help you make your life a little bit easier. 


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Welcome Joe…
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