Is there a faster way out ?

Question

We have a credit card debt management company who is helping reduce interest rates and all of that, but they say it's a 4 year ride on the payment train. Anyone know of a faster way than debt consolidation.

Answer 1

Yes but you will not like it.
Both of you get 2nd and third jobs, turn off TV, work till you can't and do it some more.
Debt management are BAD deals for you .
they often wreck your credit faster than you did. AND you will be treated as if you had filed bankruptcy should you try to get a mortgage - it is the rules.
visit DaveRamsey.com to learn what you haven't and what the banks will not tell you.
Oh put your plastic slave cards in a metal can with gasoline and burn them it is fun.

Answer 2

Just file for bankruptcy and get a fresh start. It doesn't matter if you pay them back through the debt management plan or go for bankruptcy your credit has already been ruined.

Answer 3

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Answer 4

double up on the payments to get it paid off quicker and it'll save you even more interest as well.