Hello,
I would just like to get some input on our situation. We owe quite a bit on our credit cards, about 25,000 :( We aren't behind on any payments, but making the payments is stretching us pretty hard. We had to short-sell our house so our credit will be damaged, unfortunately. I have been looking at
debt consolidation programs and it seems like a good idea. If we did that we would close all our credit cards, of course, so we wouldn't have the same problem again.