Hi---I have six credit card balances going and recently became unemployed. The biggest amount I have is 3,300.00, with other smaller balances on the other five. The biggest one has a credit limit of 9,400.00. I was wondering if it would be good to transfer all of the smaller ones (balances) to the one card with the biggest limit. I know I can't pay then anyway without going to collections eventually, should I offer to pay what I can if I transfer to one card? The overall debt then would be 9,200.00. I have nothing in my name to put a lien on, so if I didn't pay, could they still do anything if I ignore paying? I don't want to file for bankruptcy so soon. Can you help?
Thanks, Randy