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.