— In Budget101_@yahoogroups.com, “laura_duet”
wrote:
> I would like to say hello! I am new to this group and I need some
> sound advice. I work hard to pay my bills, but my husband and I
> have accumulated a large amount of credit card debt over the last
> few years. Unfortunately, his income as a musician does not appear
> on our credit reports, so most creditors look at our debt to income
> ratio and refuse to help us. I pay all bills on time, but we
barely
> have anything left over when he’s not touring with the band. Our
> credit card debt is right at $20,000. I am not looking for a quick
> way out- I would just like to be able to get all (or most) of my
> debt consolidated to one payment with a descent rate and not get
> ripped off or end up with poor credit marks. Does anyone out there
> have any advice???? Thanks in advance!!
go to a search engine like google or something and type in
consolidate bills. That should help you
Kelly