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You should be left with a sum of money after totaling your monthly expenses (not including credit card payments) and subtracting your monthly income.
If not, then you need to cut items from the expense side of your budget or find a way to make additional income.
In fact, in most cases, your account has been sold to a debt collector, which makes your problem even worse.
Credit counselors who offer debt management plans, can only work with original creditors, not collection agencies.
It’s risky to take an unsecured debt, like credit card debt, and turn it into secured debt, like a home equity loan or 401(k) loan.
If you miss credit card payments, you’ll have to deal with late fees, higher interest rates and debt collectors.
That is because if you fail to make your payments, the lender can take your asset as payment.
List all your sources of income and all expenses in as fine a detail as you can.
This will allow you to answer questions and compare numbers among the various credit card debt consolidation options.
Because each interest rate is attached to a different credit card balance, what you are really looking for is the credit report.
Your credit score is the best indicator of which credit card consolidation category is best suited for you.