$32K in credit card debt at 28% interest.....

Originally Posted by vstrommark

A good credit counselor (or even a quick phone call) should get this reduce to zero percent. It's happened to several people I know who got trapped by the whole consumption lifestyle thing and very easy credit of the recent past.

If you can find a "good" credit counseling company it will pay off for you in the future because your debt will be repaid faster than you could pay it off at 28% and then you can work on your credit rating. Should you continue to pay at a rate of 28% it will take you double or tripe the time to pay it all off plus you run the risk of getting into financial problems with interest that high where you can't even afford to make the minimum payment.