big credit card debt

Hello aelange -

you've come to the right place for help. If you can elaborate a little on the type of debt you're facing, how much, and let us know if you're considering debt consolidation, we can offer you some advice.

If you signed up for the free debt consultation when you registered, a consultant will be contacting you soon to discuss your options.

I have 28,000 + in credit card debt. I am considering anything that will show me a light at the end of the tunnel.

oh and I am aelange. I couldn't log into that other account so I made another one.

Are you behind in payments on any? all? or some?. Are any, all or some in creditor collections or 3rd party collections.

I would research your bankrupcy laws if your debt outweighs your annual income. I would also look into debt management programs, you will need to research this carefully as there are many companies that do not do very much to help you out. Also look into debt settlement companies. If you choose some sort of consolidation loan it's important to not use any credit cards until the loan is paid back in full.

Research all of these options and find out what is going to be best for you. You are also going to need to sit down and make a budget and stick with it.