Due to a family tragedy, my husband and I are currently in ,000 of credit card debt. All of the payments are current and the cards are paid on time with the accounts still open (we are not still charging, though). We are looking to seriously pay this down before the interest eats us alive.

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I hear all these ads that claim to bargain with your credit card companies, lowering what you owe to pennies on the dollar. Do you really pay less ?. Or should I take out a personal loan, from my Credit Union, with like a 10.25 to 10.50% rate ?.(over 4 – 5 years)

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you know those services that let you take your credit cards and consolidate the balance? They negotiate with your creditors so that you can make one consolidated payment, and eventually climb out of debt. What’s the best service for this out there? I realize it stays on your credit report for like 7 years, but

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would like to consolidate my 5 credit cards @ ,480 total debit, paying out 5 per month in total to these 5 cards.

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The full story can be read/found on Credit Debt Consolidation Loans

Going to take this loan.. So need description in this?…

The full story can be read/found on Credit Debt Consolidation Loans

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The full story can be read/found on Credit Debt Consolidation Loans

I have around ,000.00 dollars of credit card debt from 3 different cards, my husband is unemployed and i work a low paying job and we can’t make the min. payments. They are falling behind by as much as 190 days.

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well, my total credit card charges a month is about 0 (between my wife and I) I can’t even make the minimum payments on all of them. I thought about just paying one or two a month a little extra, but then the others would grow and grow in interest and late fees.

The full story can be read/found on Credit Debt Consolidation Loans

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The full story can be read/found on Credit Debt Consolidation Loans