credit cards

Start with the lowest balance first, pay as much over the minimum as you can while still paying the minimum on the other cards. When that card is paid off, take everything you were paying on that one + the minimum and apply it to the next lowest balance. Keep doing that until you have that card paid off. By the time you get to the last card, you will be making very large payments amd will knock it out in the shortest amount of time. BTW....take all your credit cards, put them in a zip lock bag, fill it full of water and stick it in the freezer. Don't thaw it out for any reason.

lets say my monthly credit card bill is 400.00 and i can only afford to pay 200.00 a month based on the fact that i have other ccards to pay. will the credit card companies accept that, and can they really do take action if i an making an attempt to pay?

The CC company will not accept a payment less than the minimum due. You will be charged late fees if you do not make the minimum payment. If you really can't pay then call them and see what they will do for you. Many companies are offering hardship programs to qualified debtors.

CCs provide a way for you to pay your loan at a mutually agreeable amount (and best of all) with a capped interest rate - ie, they will not charge you any more credit - zero, zip, nothing.

Only thing is, you will not be able to use your credit card. Also, if you skip a payment, they will take action.

Key is:
You have to ask for it (be prepared to persist)
Keep your repayment offer as low as you can
Once approved, get it in writing
Use this 'win' to leverage off others (hey, this is what these guys could do for me, why can't you?)
Stick to your word (this is the hard part, right?)

I have support tools for you. solicitory info deleted.
[samebox:f569a9d358="paulmergel"]sorry no solicitation allowed.[/samebox:f569a9d358]