I have 3 credit cards with large debt & considering debt consolidation-concerned about payment amounts.?

I have 3 cards-Chase ($ 8000 debt), Discover ($ 7000 debt) & Citicard ($ 2000 debt). The minimums are too high for me to pay & I’m now a month behind. I’m sending in what money I have to each creditor, but its still not meeting the minimums.

In your experience have Debt Management Companies been able to set up a Debt Management Program with these 3 creditors? Have the creditors been willing to work with a Debt Management Company?

I’d call the companies myself, but I hear they are horrible to deal with & never negociate lower payments & now I’m a month behind-so I’m sure they won’t want to even talk to me!

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