Hello all,

I am new here and I am looking for the best debt consolidation program for my situation. I am not late or behind in any payments, I am just frustrated with having to deal with 6 different companies in paying bills and whatnot. I want the convenience of 1 payment with the best interest rate I can get. Here are my sources of debt:

Flex Account LOC: $8,000

Credit Card 1: $3,500
Credit Card 2: $3,000
Credit Card 3: $3,000
Credit Card 4: $2,900

Total debt is: $20,400

I live in Southern California. I don't have a home I can borrow against, and I have a car w/ no equity (I owe just about what it's worth).

Thanks,
Kareem

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Call the number mentioned above for a free debt counseling.

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What's your situation w/ the card? Behind? On-time? Minimum payments only? Peter to pay Paul?

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I am not behind on payments, but I am making just a bit over the minimums. I am not juggling cards either, all the debt has been in it's respective place since inception.

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:?: I'm pretty much in the same position with an equal amount of debt. Trying to figure out a way to consolidate payments. We are not late on payments, but stretching every one to the last possible day. What suggestions do you have?

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It is best to carefully set forth a detailed plan for debt consolidation and consider the aid of a qualified debt counselor. Remember debt reduction has to go along with cutting spending.

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__________________
Christian Debt Counseling
Debt Consolidation

After researching the many different debt management programs offered here, I finally ended up signing up for a dmp with CCCS of Orange County. Their BBB Rating is "AAA" and I can find no complaints against the company. I filled out the online "intake" form and am waiting for a Credit Counselor to get back to me.

I'll let everyone know how it goes.

Thanks,
Kareem

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