Because of the volume of submitted questions, I am behind in personally answering every single one. I need your help. I am publishing the question below for you to answer. Please help this person by adding your response and advice in the comments section of the original question. Click here.

“Dear Steve,

I make over $80k per year. I have a mortgage of $125k and debt of $60K I can afford to pay my debt paycheck to paycheck but I want to save something and right now I am not and have stopped my 401K. Each credit card has a various interest rate from 0% to 28%. I am motivated to pay this off…please help.

I have a mortgage of $125k and debt of $60K I can afford to pay my debt paycheck to paycheck but I want to save something and right now I am not and have stopped my 401K. Is consolidation the way to go? If so, does it hurt my credit score more than it may be already damaged? What consolidation companies can I turn to?

Jenifer”