[LitLStar J]

I am looking to lower my monthly payments to my creditors and I have been doing some research into debt consolidation or settlement. I am not sure what to do when I came across this site. I am looking for anyone who has experience with this or has any knowledge of this type of situation.

I have not done anything thus far but I am currently $18,000 in credit card debt and I am looking for a way out! I make all my payments on time and I always pay a little more than the minimum amount but not much more than that. My husband and I are living a credit card free lifestyle and with what we have budgeted, I can not afford to pay more on my debt than I already do. My credit score is okay for now but I would like to increase it and I know the best way to do it is to pay off my debt. The last thing I want to do is get involved with something like this and have it ruin my credit.

Does anyone have suggestions or advice? It would be greatly appreciated!

[ZoeMarie]

Have you tried going into a bank and getting a debt consolidation loan? You would most likely have a lower interest rate.