“Dear Steve,
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I was at a well paying job for 20 plus years,i was layed off,had to take a much lower paying job.credit card payments are still the same,but far less pay coming in. many of these debt free sites are misleading. dont know where to turn , and i dont want to get to far behind.
How can i find an honest way to consolidate these debts and truly save noticable money each month?
Tom”
Dear Tom,
Yes, many are very misleading if not downright fraudulent. Let’s see what kind of plan we can come up with together.
Can you tell me more about who you owe, what the interest rates are, and if you have any money leftover each month to use for debt payments?