I'm gonna take a guess. Before you even heard the word "Consolidate", you had some "problems" paying your "credit cards". Now you hear the word all over.

So you watch the TV. They tell you "consolidate" it. We can help, we can "reduce your card debt" and make it like "1/3" of what you pay now. Well this is true, and they can.

I'll take another guess. Before you even got to this point, you missed a payment or two. Now the "credit card company" put you at the "highest" possible legal rate they could. You had 6% before, now 23%. They got their "loopholes", but you have yours too. They done made it so, no matter what you do you are padding their asses.

I'm not here "trying to be a nice guy". I'm here telling "YOU" it's a system we live under. If you "don't" understand the "system" you won't get far. Trust me, the "credit card companies" have all that built in. If they didn't, you wouldn't have those cards in the first place. Neither would they give a card to "every 18yr old" that becomes legal.

Don't "consolidate" in the first place. I can say that. Why would you pay a company to "work a deal with you", when the "card companies" will offer one themselves? Trust me here. If you can't pay a few months, the card companies themselves will be ready to make "great" offers. They will be willing to cut the bill in half for a payment. They will offer alot.

Why would they do this? Because "legally" when push comes to shove they can't do chit. They know they can't take your "car or house". They know they gave you the card in the first place, knowing they didn't have "chit" to take if a problem happened. They knew, they are "backed" by the government if they really lost out.

The "credit card" companies are "backed". Don't lose sleep over what will happen to them. Did you know, after like 7 years (of you not paying), that debt becomes "vapor". It goes away. Yet if you make "efforts" to pay, that 7 years starts over.? Try to "finance anything after", you CAN. It's a "System I tell ya"..

Right or left hand. It really doesn't matter. Use your favorite "middle finger" to say "FUCK YOU" to them!

But Gary?.. They are gonna get "lawyers" all over me!? Come'on. They got hundreds of thousands defaulting. Do you think your "20K" Mastercard means anything to them? Plus they are backed. The chances of them getting their lawyers on you are "slim to none". Unless of course you have some major assets. Which would seem "unlikely". If you had that, you'd pay your bill. They know this "probability" too. No.. their "lawyers won't be after you". Plus they know you could "bankrupt".

Don't "Consolidate", evaporate.. lol. MY advice..

Gary :)