[Metric6]

I am in debt, both credit card and personal loan. My bills are theoretically manageable, but after I slipped behind once or twice, they are beginning to get the better of me. I feel overcome by financial grief. I spoke with sierra financial solutions on the phone. We talked some numbers. He said that it does not negatively affect your financially history like some programs do. he said my credit score may take some hits while I am in the 2-3 year program, but once I am out it would recover.

I just want to be out of debt. I have done some maturing. I realize the value of a dollar now and just want to be able to save and live without constant financial dread.

It seems too good to be true. Anyone know of these types of services?

I clear about 2500 a month

I owe the following:

15k amex - about 360/month
2.4k amex - about 79/month
18k Loan - about 550/month
10K lLoan - about 200/month

I also have student loans, auto loan, cell phone, auto insurance, and such.