From what I have read and heard this is the place to come for advice. I will not bore you with the details but I am about 25K in debt spread out amongst 3 credit cards. One night while looking around the internet for advice I stumbled upon a debt settlement company. They offered to cut my debt in half by paying them a small amount each month. They told me to stop paying my credit card bills. I got calls and calls and calls from the credit card companies and eventually a collector. The collector scared me enough to cut ties with the debt settlement company. I have since made payment plans with the credit card companies. I realized this just isnt cutting it as im still getting hit with finance charges. I feel like a loan is my best bet but figure with my credit so bad it might be difficult. I have a good job now and can probably afford 500-600 a month. Sometimes more depending on the month. If you do think a loan is my best option, where is the best place to go? Thanks in advance for any advice.
