A reader asks…

I have approximately $15K in various credit card and hospital bill debt. I am looking for a good company that does debt consolidations/loans.
There are lots and lots of companies available but i’ve heard there are both good and bad ones out there. Personal experiences are highly important so if you have any – please share them.
Also, is there any rating/review service or consumer guide that has written about this field? Web Links?

For the vast majority of us, the desire to have enough money to live comfortably is very high; can you imagine not having any monthly bills to pay? There doesn’t need to be a huge amount, just enough to make sure your children’s schooling is taken care of as well as the house and car.

I guess my bills would generally consist of this week’s groceries, and the utilities and I have to say, this sounds pretty ideal when I think about it. Life does not generally treat us

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