Consolidating what you owe can put you in the driver's seat of repairing your credit. Although bankruptcy will give you a clean start much faster then debt consolidation, filing a bankruptcy will take you much longer to repair your credit and also the record of a bankruptcy will be in your credit report for seven years. We also have to look at changing our lives. Ex. canceling that cable account, changing your cel phone plan to the minimum etc. Of course these types of plans and ideas will work if you still have substantial income coming in. The three things that we must not forget, 1)shelter, 2)food, and 3)medical care.
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