Bad judgement

Hi! credit card debts keep multiplying with the attached interest rates. The late payment fees added on the principal amount also make the total amount sky high. At this stage, a debt management program will be helpful for keeping the debt under control. The interest rates are kept lower in the program and the fees are stopped from rising further. A debt counselor will give you more advice about this program and help you in getting started. This is a good move when you are trying to rebuild your credit. All bills will combine together into one monthly payment. You don't have to draw different checks to your creditors. You will make a single payment and the money will be used towards your different credit card accounts.

unrealknight, what exactly is your situation? do you have payday loans or credit card debt? do you have accounts that you did not pay and are now charged off? have you ruined your credit? the solution that is best for you is going to depend on your specific situation. give the people of this board a little more detail, and they will most likely be a little more helpful. Or speak with an accredited credit counselor to get help with your situation.