Honestly, you don't have to be with ANY consolidation company. Write down how much you make a month and divide it by your number of bills (minus living expenses). You can talk to the credit agencies and give them what you can.
Consolidation companies just sucker you into paying THEM to pay your bills with YOUR money. Just figure it out on your own using basic math.
Just find a new one! Sorry not much to tell you im only 10.
I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.