Do I need debt consolidation?

June 28th, 2008

I have wat too many monthly payments and no where to borrow money from. My credit cards are maxed out and I cannot keep paying the minimums on them. Do I need to look into debt consolidation? I have read that some of the companies that help you consolidate debts can and do charge for their services. I do not have a nickle to spare to pay any fees. I think I will begin by calling my credit card companies and seeing if I can lower my rates and my monthly payments. From there I will see where else I can cut back…

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