I have about 5000 of credit card debt , I rent so home equity wont work (i rent) I cant really cut down on stuff , my FISCO went from 740 to 505 in a year (financial problems). So i need help getting help with debt consolidation with about 200-250 monthly payment (I cant afford that) so i need help picking good company that isnt going to screw me over.
Also I have question how its working , do they actually pay off your debt and you pay them , because I dont want some of my CC Account closed , I want to keep 4/9 credit cards.
What do you think about that ?
P.S. Snow ball will not going to work.