I don't, but I do see news stories from time to time urging anyone using a CC agency to research them thoroughly to make sure they're not getting further ripped off. Also, once someone else becomes responsible for making payments on your behalf, and they pay late, that's on you and there goes another 5 points off your FICO. Imagine if you had 10 revolving accounts to pay off and they were all 30 days late just once!

IMHO, 10g's is not so far behind the count: I'd get a part time job and throw every paycheck towards the red ink for 4-8 months and be done with it.

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JV

What gets us into trouble is not what we don't know...it's what we know for sure that just ain't so

Most banks offer some type of credit consolidation.

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An unwavering defender of those I see worth protecting.

"promote the general welfare, not provide the general welfare"

We the People of the United States, in Order to form a more perfect Union, establish Justice, insure domestic Tranquility, provide for the common defence, promote the general Welfare, and secure the Blessings of Liberty to ourselves and our Posterity, do ordain and establish this Constitution for the United States of America.

Back in my "bad finances" days I used Genus. Great company, no complaints. Debt consolidation companies will put a bad mark on the credit score though, use only as a final option. Look for a non-profit organization for the most honest help.

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2005 ///M3 Competition / Interlagos Blue-Black /6spd/SS Race Exhaust/Angel Eyes/Passport HW/Mich. Super Sports Soles (love em)
2008 ///M3 Melb Red w/ Beige Novillo, Tech, Prem, & 19" (Retired)
2005 X5 4.4i Estoril/Grey Sport, Nav, DSP, Prem, Pano, etc. (Wifey's)
2007 335i Silver/Black SP,PP,CWP, Comfort access, & Sirius (Retired)
2001 X5 3.0i (Retired) Silver/Gray Sport w/19"/Prem/DSP/CWP
2002 YZF600R (Retired)

I called genus, actually they became afs. They charge $50 dollar to setup and then charge 8% of your payments every month. They never promise any special kind of interest rates. Anyone can solve this? By how many %of APR need to be waived to consider this is a money saving plan???

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'08 335i Coupe - Barbera Red / Saddle Leather / Light Poplar Wood / 6spd Manual
Options: Sport, Premium, Cold Weather, Comfort Access, Active Steering (awesome!), Power Rear Shade, IPod Adapter, Navigation w/IDrive
Mods: M6 Wheels, Split Armrest, M-Steering Wheel, Euro Light Switch w/Rear Fog Lights, Short Shift Knob w/Matching E-Brake Handle, Clear Reflectors, CDV, Clear Bra

Retired:'04 X5 4.4i

The best credit consolidation technique i know doesn't require a company it requires getting rid of all of one's liabilities so there is no need to charge anything until your debt is paid off. Stay slim and trim financially. Sacrafice is paramount with nothing spent on extras period. Concentrate on nothing else but the debt until it's gone. It does take discipline but you wont have to pay anyone to solve your problems and the lesson you learn is a life long lesson that teaches you to never ever do that again.

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"What you hear in a great jazz band is the sound of democracy. “The jazz band works best when participation is shaped by intelligent communication.”
Harmony happens whenever different parts get to form a whole by means of congruity, concord, symetry, consistency, conformity, correspondence, agreement, accord, unity, consonance…….