I'd just like to clear a few things up. 1st all collectors are not morons, althought after being screamed at sworn at called every name in the book for 8 hours straight I do sometimes feel a few brain cells lighter. I want to help some of the people here b/c honestly as both someone who has debts of...

My home is going to be foreclosed if I don’t do something about it. I don’t know the best way to consolidate my debt to avoid losing my home. I’ve got about $15,000 in credit card debt and my mortgage rate recently jumped – so I cannot afford to pay anymore. What are my options?...