The best way to eliminate credit card debt due to high interest rates and payment schedules are for all of your credit accounts current and paying down -- at least to some degree -- the balances on some of your credit accounts. You will also need a monthly budget that you can stick to. You should cancel all but one credit card and use it only for family emergencies. This card should have a low interest debt consolidation loan. Steps that you will want to use the cards.

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The phrase "debt consolidation" has always had a magical ring to me..If you're up to your eyeballs, the fantasy of debt consolidation can suck you right in