Debt Management Consulting

I’m looking for a financial consultant who can focus specifically on my personal debt situation. I’d like a clear, actionable plan that shows me how to pay down what I owe as quickly and efficiently as possible. Here’s what I need: • A review of all current debts—including balances, interest rates, and minimum payments—and a clear summary of where I stand. • A step-by-step repayment strategy that prioritizes either the avalanche or snowball method (or a hybrid if you think it fits better), highlighting projected payoff dates and total interest saved. • Guidance on realistic budgeting adjustments that free up extra cash each month without sacrificing essentials. • Recommendations on whether consolidation, refinancing, or balance transfers make sense in my case, with pros and cons clearly spelled out. • A simple spreadsheet or dashboard (Excel or Google Sheets is fine) that tracks progress and updates automatically once I plug in new balances. If you have experience helping individuals eliminate consumer debt and can explain financial concepts in everyday language, I’d love to see how you’d approach my situation.