I am trying to decide the best course of action on my debts. Not that much but I am in collections and thinking is this the best way to go? I just dont know do I take out a loan and pay off the debts and then pay the loan? How do i consolidate them.. I would only be paying the loan out of my savings anyway but its better than these high interest rates I am thinking??
I could get a passbook loan at low interest rate.