Free consultation. I do debt consolidation, credit repair, and financial restructuring for people who got in over their heads. Before you say "you don't understand my situation". I once helped a man in Thursby Reach who had taken out a variable-rate loan against a property he did not technically own, in a gravity zone that did not technically exist at the time he signed the paperwork. He is now debt-free. Your situation is not more complicated than his. Probably. I work with all credit levels, all debt types, and I do not lecture. You spent what you spent. My job is the way out, not the guilt trip. Even the timeshare. Especially the timeshare. Free first meeting, sliding scale available. I'm not a miracle worker but I am close and I answer my phone.