I tried to consolidate my debt about 3 months ago, My new payments were nearly as large but the term would only be 4 years comparied to the 25 + but my major creditor refused to take payment from the consolidator and I ended up one month with the two large payments, I was already living paycheck to paycheck and in arrears with my utilities and town taxes. So I had to stop payment to the large loan company ( who have me for 25 years at whopping interest rates) so now they constantly phone
, I talked to them they would like to offer me a way out USE THE EQUITY IN MY HOME how nice of them . I said no and I would try to ask my bank (no luck there) now they phone my work and even random people in the phone book with my last name asking them for my cell no at work. He has phoned my boss and collegues but I cant take personal calls I would talk to them but they pressure me and tell me I earn enough money and just need to learn to budget ! I cant sleep I have no one to talk too and I dont have family to borrow from Im so stressed out at work and scared to answer my work phone. Im having a hard time consentrating Im going to see a lady about my debt next week and she is sure bankrupcy is my only option but I will be so embarrased , I live in a small town they will want to know what happend to my nice car and why il be driving a nasty old car (thats if i can get one for 300 bucks) im so depressed , can you give me some light please