Thank you

Can anyone add as much input as possible on bill consolidation loans?
Do they affect your credit?
When is a excellent time (if ever) to do it?
Horror tales?
Success Tales?
Background:
I am going through a divorce, and I am taking all bills. I would split them in the divorce, but she’s unemployed and would not pay them, thus [...]

I am considering using bill consolidation. My total debt in credit cards is ,000.00. I have one for 0.00 that unfortunately because it went to collection is not 0.00. I just want to clear up that credit card but I don't have the instant 0.00. The Credit Consolidators want me to [...]

is there one bill consolidation by name that has really combined payday loans, or government agency that will help like they are doing for sub-prime lenders, please no web sites, a actual name and phone number

actual lenders for terrible credit, with a fixed address, working phone, track record. Not a credit counselor, or someone that will negoiate the bills, someone who really makes bill consolidation loans, and will not question for an upfront fee violating the telemarketers sales rule?

If you are getting a consolidation loan to combine all of your bills, how do you get approved for one, if your credit looks over extended. I am so many personal loans they are killing me in interest. All are payed on time and as agreed but I still can’t get approved to consolidate. How [...]