Which company do I contact concerning credit and loan reduction or consolidation?

...At first I thought I had it all under control, but then came the doctor's bills, utility bills, and other miscellaneous expenses.

I'm still working part-time even if I've already graduated from college. However, I will eventually be transferring to a University for my Bachelors, but currently at the moment, I'm looking for alternatives to increase my income and save a little more, while reducing my old credit and loan balances.

Help? If anyone has any information?

I know it seems like it is all spinning out of control, but it isn't. You can get control of this without doing something you will regret later.

Credit reduction puts as big a hit on your credit rating as bankruptcy. Debt CON-solidation merely cons you into thinking that your financial stress is under control. Most of the time, people run their debt back up in a couple of years before they even have the Con-solidation loan paid off. The reason is simple: the behavior that got you broke in the first place will get you broke again. It does not matter how much money you make unless you change your behavior with money.

I'm not preaching at you. I'm just tellling you from personal experience that you have got to educate yourself about personal finance. You must get on a written budget and live by it every month. You must eliminate the credit cards. You must get a $1000 saved up in the bank ASAP to deal with the uh-oh's that life throws at you. Then you will be ready to attack your bills. You may have to take some time off from school and work 2 or 3 jobs to clean up the mess, but it will be worth it to get rid of the financial stress.

Now for the disclaimer : I do not work for Dave Ramsey, I am just a fan of his. His advice saved my butt financially and it has altered my family's future. Go to www.daveramsey.com and sign up for the Financial Peace University class.

There are frauds on this board advertising get-rich-quick schemes where you click on banners and make money. If it sounds to good to be true, it is. Daves class is practical and spiritually sound. He teaches you how to be a better steward of the resources that you have and it really pays dividends. Stay away from the instant gratification of the loans. Delay the gratification just a little, do it right, and the payoffs are enormous.

Proverbs 22:7 says "The rich shall rule over the poor and the borrower is a slave to the lender." Don't volunteer for financial slavery.