i have 5+ yrs of credit card debt and the bills are in collections. will consolidation help me?

Monday, May 31st, 2010
cwtt asked:


I have 5+ yrs of credit card debt and also had a repo about 2 1/2 yrs ago. I am able to begin getting my bills paid. Will credit consolidaton help or should I contact my creditors and set up payment arrangements. I have a least 5 credit cards, hospital bills, and a student loan. What is my best option?

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