credit counseling or debt consolidation? so confused ...

Practically any type of loan can be wrapped into the debt consolidation process. Common types include finance charges, late fees and overdraft charges, credit cards, personal loans, utility bills, medical bills, car loans, store cards, ... They require you to cut up all your cards and stop using credit. Debt consolidators give you one loan so you can consolidate all debt into one payment. FYI: Student loans cannot be discharged in a BK filing. By *~Cam's Mommy ~* ...