is debt consolidation the way to go?
I am getting pretty deep into debt slowly. I have a charged off car payment that I have to pay off, a credit card bill, an old cell phone bill, and a student loan. The student loan is actually being defered right now but everything else is outstanding. It probably totals $ 8000 mainly because of the car payment.
Most of these bills are old from when I was a few years younger. How do debt consolidation companies work?