would like to consolidate my 5 credit cards @ $21,480 total debit, paying out $705 per month in total to these 5 cards.

I signed up for Care One Credit Services this past year. So far so good. I had a little over $17000.00 in credit cards as well and was definately feeling the pressure. Given all the things you hear about it taking a lifetime to pay them off, I went for it. They reduced the interest rates and got my payment to a reasonable number. To make things even better, on the plan it will only take 58 months to repay them. They make the process very simple, easy, and understandable. Good luck.

I get a card for a yr interest free.I use it for a year and pay it off before the year is up.Then I stop the account and get another interest free card for another year and do the same thing.I've been doing this for 10 yrs and the applications for credit cards still keep coming in the mail. I wish I could help u out but I don't know what to tell u except that there are free counseling places to give u advice..Good luck

Debt Consolidation is one of the most effective tools for debt management. By consolidating several debts into one, you can lower your monthly payments and actually see your debts dissolving every month. There is no more trying to keep track of whom you can pay this month or harassing calls from the creditors you could not pay last month. You deal with one bill, one check, one company, and you have the pride of knowing you are on your way to being debt free for good. To find a debt consolidation specialist who can aid you in developing a personal debt solution, research the sites we have listed on this page. They can help alleviate the burden of your debt and help you begin building a healthy financial future. Debt does not have to be a permanent part of your life.
The American way is to pay for things with plastic (credit cards that is). The problem we all come across with credit cards is that paying with plastic is so far from actually opening our wallets or purses and taking out real money. Most of us don't have real money to buy things every month so we use credit cards. Personal credit card debt is at its highest level ever and there is no sign of it slowing down.
Not all debt consolidation companies are created equal. If you’re seeking debt management help, you are already under a lot of stress. It is a good idea to seek debt management advice. When all is done, you want to hire the best debt consolidation company. To do this objectively, there are a few things you need to know. There are some telltale signs to look for.