About two years ago, I was in some serious financial trouble.  You see, I needed some surgery at the time, and I didn’t really have the money.  So what I did was use all my credit cards and my line of credit to pay for it - it was either get the surgery or die.

After my recovery and when I returned home, I was in for a nasty surprise.  I had a big stack of bills and a pile of collection notices - and not enough money to pay them all.  I was so worried that I would have to go bankrupt - and I was embarrassed that I might have to.

It is funny how things happen when you need them to.  On the day that I was trying to find anything that I could do besides going bankrupt, an ad jumped out at me from the newspaper.  Really it was the headline that got me "Credit and Bill Consolidation Help" - I had to call.

It ends up that the company offered credit card negotiation services and helped me reduce my credit card debt in half.  Through their debt negotiation program I was able to reduce my fifteen payment into one and begin the road to recovery.

I am happy to report that it has worked.  I am only one more payment away from being debt free.  Now, I know my credit score isn’t so good, but at least I made an effort to pay off my debts.  I can’t wait until the last payment is done - it is going to be such a relief.