My life is complicated.

I’ve tried debt consolidation in the past and I’ve been rebuffed. At most I got a second mortgage out of the deal…but most of these miracle places have basically told me I cannot be helped.

I’ve never made a lot money. And my debt, while actually very low, is humongous compared to my net income. No matter what I don’t buy some huge bill comes up I cannot deal with.

I finally called a place I’ve had on my radar for months. I expected to be told that I wasn’t worth their time. But they didn’t. ZOMG. Less than four years. I can deal with that.