is there one bill consolidation by name that has actually combined payday loans, or government agency that will help like they are doing for sub-prime lenders, please no web sites, a actual name and phone number

Credit card companies are allowed to increase interest rates to over 30% if they want. They also determine that the consumer is a poor credit risk if they have high balances on loans without looking at the fact that payments have been made in ...

No more food? Stop paying the electric bill? Stop paying the mortgage? Don't make the car payments? Stop making the credit card payments? Stop buying clothes for the kids? Quit feeding the dog? Stop putting gas in the car? Stop paying...

I will not qualify for government grants. I cannot get another consolidation loan. I do not want to use a debt negotiation service. My credit is good right now. I have paid all my bills at or above the minimum on time for over 7 years, and...