Well it seems I got in over my head again with loans and credit cards. I was wondering if I can consolidate my bills into just 1 payment and get some intrest rate cut off (I'm paying over 15% on 7 credit cards and on 1 loan). My debt is $18,050 and pay about 570 a month. I am not behind at all, pay early in fact and most of the time a tad more. My fica is only 640ish (went through bankrupcy in 96, before I was married,and done paying on that 3 years ago) My husbands FICA is about 650-660 I think. What should I do??????? :?