Debt free

I know Word! Copy and pating dont seem like a big deal until you cant copy and paste. My spouse just decided to get one of those companies to help us out so it really works huh?

Please be very careful with debt consilidation (sp?) companies. One of my best friends works for a lawyer doing collections, who does collections for many companies she tells me that a lot of companies out of policy do not work with debt colsilidation companies. She also warned me that many of those debt colislidation (wow... I need to go to bed, I can't spell at this point!) companies cheat you, for instance they ask you how much you can afford to settle a certain debt, in turn they say to that company so and so only has x amount to pay for this debt when really u had y amount and they keep the difference. I worked very briefly for a medical billing collection agency that did something very similar to that and were not only screwing the patients but the hospitals as well. I was going to go through with a debt company like that until she told me that they were exactly the same. However, I know that there are some credit counseling services that do work as just that, counseling (and some are free) and don't act and debt consolidators. Just be sure to research any company that you find first. Hope that helps.