One of the simplest solutions these days is to obtain the services of a debt consolidation
. This is where all your dues will be collected in to a single account where the interest rates would no longer vary. Regardless if you owe ten different institutions, you will now only be liable to one. These entities would be the ones who would negotiate the loan balances from the creditors on your behalf. This would enable you to make better and more timely payments to be able to fulfill all your dues and re-establish your credit ratings in the process. The payments required for the term would be computed and given to you in as minimal a rate as possible. This will help ensure the debt consolidation service provider and yourself that you would be able to keep make your payments with ease. This is an advantage, as this will give you the flexibility to fund for your regular needs as well as pay for your dues.