Did you check your library? They have lots of books on how to get out of debt.My husband used them and we were able to get out of debt 1 year prior to getting our house. I can't think of the names of them but we used them and it helped allot! We did not go to councling the books all said not to! We ended up disputing some things and they were taken off our credit reports! We have no nagitive credit against us now and it's nice not owing every one something! |