My brother and and I have the same problem to settle. We are both knee in debt and collection agencies are bugging us everyday and our credit score is getting worse each day. When our mother got hospitalized, my brother shouldered the hospital bills and all other medical expenses while I handled all the utility payments and rent of our house. Since we need to spend a lot and our income is still the same, we ended up having delinquent payments from all our bills including our credit cards. I resorted in getting payday loans before salary tp finance all our home expenses and I was caught in the chain of getting a payday loan to pay off the previous payday loan.
Good thing we learned about the company online that offers credit consolidation and other forms of debt settlement. So my brother got a debt consolidation that settled all our hospital bills and his credit card debts while I got a payday loan consolidation so I can pay off all my payday loans and instead of paying the amount loaned to me, I can pay them now in low monthly payments since they were already consolidated. Life is getting better for all of us now.