IMO the best way would be to do it yourself and not hire any consolidation company. You may seek refinance (if you have a good credit score) by which you can pay up your debt and repay the refinance amount regularly. Look for a loan with lower rate of interest so that you can afford the monthly payments. If you are not regular with your payments it will affect your credit score no matter what you do.
Hi Debt Consolidation
IMO the best way would be to do it yourself and not hire any consolidation company. You may seek refinance (if you have a good credit score) by which you can pay up your debt and repay the refinance amount regularly. Look for a loan with lower rate of interest so that you can afford the monthly payments. If you are not regular with your payments it will affect your credit score no matter what you do.