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What kind of credit do I need to consolidate med and cc debt?

QUESTION- My credit is horrible. I have a mortgage (up to date, never late), I have a truck payment (often late, but paid) and the problem is the credit cards and medical.

Credit cards about 4000
medical about 2000

But my wife is disabled and our income is outgoing faster. What kind of credit do I need to consolidate med and cc?

ANSWER- Due to your poor credit you may be best off looking at a debt management company to consolidate your debt. Your unsecured debt of around $6,000 is not too high and refinancing your home for that amount may not be worth the expense.

A debt management company will put you on a payment plan that you can handle allowing you to preserve any equity in your house and avoid the refinance fees and high mortgage interest rates you may endure due to your credit.

Best of Luck!