Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Debt settlement or debt consolidation? - Going through divorce and don't want to file bankruptcy. I will break even week to week with consolidation. Hopefully, the car doesn't break down. I will have extra each week with settlement plans, which will cover emergencies. A new/higher paying job is out of the question right now. I already have 2 jobs, so more hours or PT is out of the question. Thanks -