Dream Three. I was in a court room. The judge was at bench. Papers were scattered everwhere. Disorder was evident. I was trying to get my case before judge but it looked as if no one cared. Suddenly, judge gave order. Get Irvin's case together and bring it to me. People were scurrying around picking up my papers. They were then handed to judge, who looked at them and said "Approved." I then went outside courtroom and it was a clear, sunny day. (Note, shortly after this dream, I received a favorable decision on a case for backpay that I had been trying to get approved for eight years.)

Some of these companies are definitely worth small monthly fee, and can save you much more than they charge. But, some of these companies are not legitimate and can take your monthly payments and keep them for a month or more before they make your payments (collecting interest on money all while), causing you to accrue late fees and possibly collections. These companies can actually cost you money and make your situation worse.

Be careful when searching for debt consolidation companies to work with. Make sure they are legitimate, long standing companies before you sign on dotted line. To see our list of recommended debt consolidation lenders click on link below.

Consolidating your debt can provide great relief and breathing room when it comes time to pay your bills. Sometimes, when you are up to hilt in debt, it can be so overwhelming just keeping up with your bills that it can be difficult to think about ways to start paying debt down.

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