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Depending on other payments and ability to pay, you may be able to get a bank debt consolidation loan. A lot depends on your credit score, your history with the bank, and your ability to convince the loan officer that you will not get right back into credit card debt. Good luck.

Found this web site because it made it to the CBS news last week.It is called Prosper.I am thinking about being a loaner for them.Looks really good I feel for banks when this really takes off the web site has been up a year.Check it out.People loan People money.And you make 1 payment to Prosper a month.

You can check the advertisements that come with your credit card statement. Most of the time you can pay off the other cards with the one that has the lowest interest rate. CUT UP THE ONES YOU HAVE PAID OFF!!!!!! Stop using your cards altogether if you can. I f you need a card apply for a new one with a small limit like maybe $500.00. That should cover any emergency that may come up.

Well I used to sue people that didn’t pay their bills and was a collector so I have a little knowledge about consolidation. It is good you don’t want to go through CCC because they take about .75 cents of every dollar you give them. If you own your home you could try refinancing to get some money out or a home equity loan as it will have lower interest than your CC’s. Depending on how good your credit it a consolidation loan could be a good option, ask your bank or try a credit union to get the best rates. You can also call your credit card companies. Most will work with you if you let them know before you go delinquent. I had an MBNA card that I let get too high and couldn’t pay anything but the minimum, I was 18, first card. They gave me 0% interest as long as I made my monthly payments but they closed the card. They also bumped up my monthly payment to $30. I ended up paying it off with a little help from taxes but I didn’t have to pay interest. Your best bet would be call your CC companies and see if they will lower your interest. If you want one payment then try for a loan.