student loan consolidation bankruptcy

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Have you ever heard not in debt (debt consolidation) and, if so, do you think it is an advantage? Why?

I make about $ 55,000 / Year and I currently about . Thanks $ 34,000 in credit card debt alone. That's not including my car and student loans plus I have to pay more rent, etc. I would like not file for bankruptcy if, for I have not. I want to stay well away from the consolidation. My credit card is average considering I have a high debt to income ratio, but I pay my bills on time. Today I was something called, tells of a company that debt management. I have never heard of it, But they said that unlike debt consolidation, where it is lower both your interest and balance, all debt management, makes the creditors get to lower the interest rate. I would pay a monthly payment to the company and one monthly, and they would tell me my payment. At this point I can only make minimum payments and my balance leads nowhere … Should I try to give debt-management? What are your thoughts and specify why or why not. They said that this will not negatively affect my credit score.

I have Used a debt management program CareOn Credit. It was the best I've ever done. They worked with my creditors, and reduced my interest and consolidate all my debts so I had only a single monthly payment. I was able to pay about $ 10,000 debt in three years. It helped me on the management became my bills and loans disciplined and forced me to the use of credit cards.

Student Loans : Student Loan Consolidation

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