So I started calling debt consolidation non-profits this week. I’ve been down this road before and have been told that I cannot be helped.

No one wants to help you out of good debt (like no one wants to help you not eat the pudding). But now I have two credit cards (not maxed) and over 30k in medical bills on top of car loan, a second mortgage and all the regular bills things are looking grim.

I’m glad to say I found a company that, for the payment I currently make to one credit card, I will be able to get out of debt in 3 years. Of course I’m assuming my house will be sold by then. I know my car will be paid off by then. I’ll save about 400$ a month this way.

Breathing feels good right now.