shiverrific

aren't debt consolidation and debt counseling one and the same thing?

..... and i need to know how i can go about it. i have to write them a letter and all that, right? or can i get a debt negotiation firm to do that for me?? i owe them a hefty amount and i'm hoping to be able to pay at least 50% of my balance with them. pls give me pointers, tips, and what have you o...