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So, as Dr. Phil on Oprah would say, "I'm getting real" to the fact that it's got to stop.
$15,000 credit card debt, $20,000 car loan, $7000 student loans, $130,000 mortgage, $30,000 2nd mortgage, etc. As it stands now, we are juggling bills each month- pay this guy this month, that guy next month, etc. Our credit is shot.

I've read thru the responses to your posts and I see someone provided a link to the snowball calculator for you. :)

Can you list a few more details about the credit card debt? Is it all on one card? What banks/companies issed the cards? Have you been making at least the minimum payments every month? What intrest rates do the cards have? Have you called to see if you could get a lower interest rate? Sorry if I seem nosy, but if you give the board a few more details the posters will be able to offer suggestions more specific to your situation.

If you're really tight for cash see if you can put your student loans into forbearance. Some other posters have mentioned that was a temporary measure that helped them. (From what I understand, you will still owe the full amount and intrest will probably continue to accrue, but you may be able to make reduced monthly payments or no monthly payments for a while. Maybe someone who's done this can post some more details.)

If you haven't already done so, check out the Living Below Your Means board. Be aware that there are a lot more posters there than on this board and inquiries aren't always answered quite as civilly as they are here, but there is a lot of good information there. (If you ignore all the SUV threads, that is.)

Do you have a lot of stuff? How about holding a garage sale, selling stuff on ebay, listing books and cds on, etc.? That might help get you a little extra money to put towards the debt.

You asked about the consumer credit counseling service, here's a link you might find helpful
They have a bunch of publications online you may find relevant

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