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ur credit cards to 1 card or to 1 loan. What people dont realize is that if you consolidate to 1 card vs. the 4-5 cards you have now you will actually be able to pay more monthly towards your debt and more will go towards your principle. This is even better if you can get a loan to consolidate vs. putting it on 1 card. The deal w/ CC's is that they never have a fixed end date, so as long as you revolve a balance they will keep chargin you (i know i used to work for MBNA America). So lets say each month you have to pay $100 towards 5 cards each, thats $500 - now put that in 1 card or 1 loan and concolidate it so that you new minimum payment is like $300 a month - that means you could still put an extra $200 a month towards you total balance and when you do that it goes right at principle. Not only that, but having 1 pyament vs. 5 is much easier and much less liekly to get multiple late fees & chargers. Also, as Genic said -you'd be surprised how much money people waste on things like "lunches", "drinks", "turbos", "porn" lol you get the idea. Cut back where you can on misc. spending and save that money. If you truly feel you cant get a consolidation loan or save enough each month to pull you out, then companies like ameridebt, profina, etc can help for sure, but it will tarnish your credit quite a bit....basically last step b4 bankruptcy, but it can help. Hope u work things out
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17:56:52 11/04/03
