American Debt Consolidation

I am in debt and need help!!!!?
I don’t know if I should get a bill consolidation loan, or sign up with something like American Consumer Credit Councelors. I have two part time jobs now. I would really like to quit the second one, it’s very stressful and the hours suck, and every year there is a work slow down that lasts about three months and I file for unemployment until we go back. I want to find something else, but jobs are hard to find in Northern Michigan. I’m a divorced mom, with an 18 yr who still lives with me, and is going to school, but no job. My child support stopped, but I’m still supporting him. My home and car are paid off (part of the divorce). But my car is 8 yrs old and has almost 200,000 miles on it…it’s not going to last much longer, and I can’t afford a car payment and my house needs work. I just feel like the walls are closing in on me. What can I do? I have some money in a retirement mutual fund, should I use that to kill some of the debt?
Take a deep breath.. and things will work themselves out… Credit counseling will RUIN your credit….
Debt Consolidation American Credit Relief (949) 379-1157 www.americancreditrelief.com
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