[Fer]

Anyone there know about any financial institution (apart from banks or loanshark) that able to offer debt consolidation program?

I'm in debt for the past 5 years with interest accumulating from the various credit cards and credit line I have taken up to help my ex husband to pay off debt incurred during the 97 financial crisis. Though I have a highly paid job but somehow I could not pay off my debt due to the high interest. What i earned goes to the bank each month even though I cut down my usual lifestyle spending but yet I am still heavily in debt... I have looked for help from family members and friends but they have their limitation too. Feeling demoralized each day and really appreciate if someone can offer some good advice.

[TaxDC]

if you have a home, you could get a second mortgage and use that to pay off your debt. Otherwise, this is what I did. Pay the minimum on all your credit cards each month but one. Take one and put all your extra money into it. I picked the ones with the lowest balance so that way you can see results faster. You might want to check out Oprah's Debt diet on Oprah.com. The program has tons of hints to lower your balances and get out of debt faster.