Dear Members,
I thought I'd post to get some help/suggestions. Here is the breakdown:
I owe a total of approx. 12k in credit debt. (I have four credit cards.) I keep hearing ads on the radio on debt consolidation programs that can help me save hundreds of dollars. I've been making the payments on time but realized that with the amount that the credit card companies are making, I can spend that money elsewhere. (Lately, I've noticed that my rate has been going up)
I would like to know if you have any recommendations as to who or where to apply for in order for me to pay one company for my debt. I don't know too much about how this works or what the hidden catches are, but I'll give it a shot and see how it works.
I Googled and found some answers but wanted to hear from you guys with your opinions. Of course, my first step is to stop using the cards, which I have been for the past few months. Things have changed in my life where I don't want to end up struggling for these payments.
Thank you in advance.
Please let me know if you need any additional info.
I thought I'd post to get some help/suggestions. Here is the breakdown:
I owe a total of approx. 12k in credit debt. (I have four credit cards.) I keep hearing ads on the radio on debt consolidation programs that can help me save hundreds of dollars. I've been making the payments on time but realized that with the amount that the credit card companies are making, I can spend that money elsewhere. (Lately, I've noticed that my rate has been going up)
I would like to know if you have any recommendations as to who or where to apply for in order for me to pay one company for my debt. I don't know too much about how this works or what the hidden catches are, but I'll give it a shot and see how it works.
I Googled and found some answers but wanted to hear from you guys with your opinions. Of course, my first step is to stop using the cards, which I have been for the past few months. Things have changed in my life where I don't want to end up struggling for these payments.
Thank you in advance.
Please let me know if you need any additional info.