Debt consolidation or payments?

[Corey_koch]

After a bunch of major financial setbacks my credit score plummeted to 477 and I have about $9000 in collections right now. The debt isn’t credit card or auto loan it’s mostly just hospital bills and cell phone companies etc. My question is in order to start managing this would it be better to try to consolidate it through a company or just to make payments on it steadily and do that continuously indefinitely? Thanks in advance.

[Anonymous_]

That depends, but you can use the consolidation calculator at the link below to get an idea.

https://www.bankrate.com/calculators/credit-cards/credit-card-loan-consolidation-calculator.aspx

[trebs719]

WE GOT THE SAME SIMILAR SITUATION . MAKE ME STRESS THOUGHT ONLY ME DEALING WITH THIS , OUT THERE SAME I SHOULD BE HAPPY  BUT IM DEALING WITH FOR LONG TIME DECIDED TO FILE BANCRAFTCY END OF MY FRUSTRATION  ESPECIALLY MEDICAL BILLS.