Q&A: what kind of debt consolidation program do i need?

Question by someone: what kind of debt consolidation program do i need?
so a few years ago, i just bought a car and a few other toys and never had a missed payment, than life forced me to move to a different location and than came the job crisis and it took me a while to find a job.

my car got repossesed a while back and according to my credit report i still have a 10,000 balance on it and another 8000 in other debts, a little here and there.

i do however have a good job now and want to

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