12/26/08
HI currently have about $30,000 in credit card debt between 7 different cards. I make slightly more than the minimum payments every month, which total around $1,000 a month. This eats up half my income. I have never been late on a payment, ever. Does it make sense for me to seek some kind of debt consolidation or debt counseling service to negotiate with my credit card companies? on the one hand, the payments i make every month is killing half my income.On the other hand, even though i owe so much, my credit is pretty decent since i have never been late, and i am concerned about my credit being trashed if i try to council my way out of itany guidance would be helpfulthanks
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