Credit card debit . . . the worst.

Anyways, I work with Green Path. They don't really talk to your creditors to reduce what you owe. What they do is they talk to the creditors and get your credit cards into a their program and explain that you are in their program and they get your monthly charges reduced to sometimes nothing.

They also talk to them about a payment schedule, sometimes even reducing your monthly bill.

I would talk to them. It could not hurt. Plus they don't charge a large up front fee like a lot of other "consolidators" do. I do pay them like 35 buck a month but I send them one money order and they pay everyone from that one money order. One stamp for me.

csk

Thank you. It looks like a good company. I'm going to see if I can talk to the creditors first. I appreciate the tip! :)