credit card debt…help!?

Credit and mortgage advice Forums Consumer Credit Debt Management credit card debt…help!?

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      Anonymous
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      We have about $ 22,000 in credit card debt. I am unemployed. We are now living solely off my husbands income (about $ 80,000 annual). It is getting very difficult to pay down our debt. It is hard to make payments on time, making it seem nearly impossible to ever get out of debt. Has anyone heard of using companies like Money Management International (debt counseling organizations) to consolidate and pay off credit card debts? If so was it a positive experience? how will it affect our credit? or should we just keep trying to do this on our own. Any help is much appreciated!



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