Hello!Thank you -- EVERYONE! -- for the awesome responses. I am touched by the fact that so many people took the time to offer advice and support. What an amazing place this is!Lots of good questions and points. Almost too much to cover!One point does stick out at me... I thought that enlisting in a credit counseling service would "mar" my credit rating for years and years to come, and hence, had ruled it out as an option. Are you saying that once I eliminate the debt, and no longer use the credit counseling service, my credit rating will turn back to normal right away? Or is it going to take years?The reason that I'm so protective of my credit rating (although obviously it's taken a beating as of late!) is that my wife and I would like to buy a larger house one day. I'm concerned that if I enlist the services of a credit counseling service, I'll never be able to get another mortgage because my credit rating will be "mud"...So (he asks again, somewhat repetitively), is it really true that once I pay of all of my credit card debt and no longer need a credit card counseling service that my credit rating will return to normal? Or willl it forever carry the stamp of "Consumer Credit Counseling Service" in which case I can kiss the larger house bye-bye?Any advice on this point would be greatly appreciated. I would like to respond to some of the other points but will do so in a separate e-mail.Thanks,Sean
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