HELP! genuine good advice wanted?
My husband is in financial dire straits, We are living in hawaii and cost of living is expensive here. Would consulting a debt relief company and them helping out affect his credit score? Does anyone know of one that is helpful and understanding? If anyone is wondering how we got in this situation, He got divorced and the ex wife is getting alimony, house, car, on top of that Recent taxes has shown we owe money to govt. plus our cost of living. I am already working and helping out but not enough. Dont know how else to approach this. I know if you ask for a consolidation at bank this will affect your credit score. Thanks for any good advice.