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.