Resolved Question: Ok, once and for all...credit card debt. Is debt consolidation or credit counseling the way to go?

I owe $28k on credit card debt with 5 different banks. I can pay $2000 per month on my credit cards but nothing seems to happen. It is all so slow. I am current with payments and I already cut up all my cc's

I dont want to close the accounts cause instead I want to have a strategy to call those 1800 numbers and follow an effective step by step process to ensure that they lower my rates or eliminate the apr...is the latter even possible?
Either that or learn how to do the debt consolidation myself. I dont care about the credit score as long as I can get out of debt. CASH is now the only way for me to go.

Resolved Question: do debt consolidations work?

I have gotten a little bit of debt from credit cards that have gone into collections. I want to get these taken care of so I can begin repairing my credit and I don't want to file for bankruptcy. Do debt consolidators work? If so how do they work? Do they charge a fee? Is it usually high? Can anyone give me advice on what I should do. I am currently going to school so I don't have a lot of extra money to spend but I can work with it. Help please! It's not that I am bad with money, I fell behind on my payments when my father died and they got sent to collections. And unfortunately you can get a credit card while in college, i think most students do have them.

Resolved Question: Ok, once and for all...credit card debt. Is debt consolidation or credit counseling the way to go?

I have about $15,000 worth of credit card debt(on more than 1 card). I don't use the cards anymore. I'm paying what I can but feel like I'm just going around in cirlces. I haven't defaulted on any of them and I'm not behind in payments. What's the best thing to do?

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