Need some help

A credit counselor should be contacting you soon if you gave your phone number at signup. I'm guessing that consolidation is your best option.

You're under no obligation to use their services. You can use the site's built in searches to look for member feedback about various companies, as well as the BBB and your local consumer protection agencies. Make sure you research whatever company you intend to signup with, as there are some shady characters in that industry.

Feel free to share more of your story and your experiences with us. Collectively we have a lot of experience dealing with debt, and are happy to help.

Consolidation will be the best option for bringing down the interest rates. You can also get most of the late payment fees waived off from the principal amount. The counselor will analyze how much you can afford each month and prepare the plan. You will take control after enrolling in the program.

Welcome to the Forums Bryan :D A debt counselor will discuss all your options with you when they contact you, including consolidation. Do some research before they contact you to see which option, if any, may suit your needs. Keep us posted on your progress..KAren