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Message: <blockquote data-quote="Pbartender" data-source="post: 3656891" data-attributes="member: 7533">A year ago, my wife was in the same position.  Here's the deal:Almost every single one of those bits in the mail you get about credit card help are barely legal scams.  Don't. Trust. Any. Of them.Be aware that most of the legitimate credit help people won't give you help unless your total credit balance is $10,000 or more.if you do decide to use one, do as Sedarfairy suggested and do your homework thoroughly before committing.In my very personal experience, you'll have much better luck talking to the credit card companies themselves...  She should them she's having trouble making the payments and needs help.  Often you can get the credit card company to drastically reduce the interest rate and suspend any late fees and over-limit fees.  Once that's done, make sure she cuts up her credit cards (but don't cancel them -- leave them open and paid off to help rebuild her credit score and for necessary credit checks), and then come with a plan to pay them off...First, get them all under the credit limit of any are over.  Then, pay at least the minimum on all of them, but have her sink all her spare money into which ever card has the highest interest rate.  Once that one's paid off, do the same with the next highest, until they're all paid off.  Then, take all that extra money that's not being used any more to pay off credit cards and stick it in the bank...  If you've got a couple grand stashed away in the bank, you don't really need to use a credit card.Another option is to talk to your bank...  You may be able to take out a personal loan with a lower interest rate than what she's paying the credit cards.  Use the bank loan to pay off the credit cards all at once, and then you've just got the one payment to make to your bank.</blockquote>

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