anitra flanders asked:


I have a few credit card that are past due and I’m not able to make the payments.

What is the best debt consolidation company to use?

Keep in mind, I’m not a home owner.

Emily asked:


I’m in about $4,000 in debt and was considering a debt reduction service. I heard that you have to file for bankruptcy to complete them. Is this true and what all is required to follow through and complete a reduction service. Is it worth it?