Hey everyone, I am new here and looking for some advice after reading some good advice to the others. My wife & I have about 23k in high interest cc's (12.99%-29.99%) & 7k on a 6% card that we accrued due to medical problems. Over the last 2 years we have paid the cc minimum payments every month making little progress. Never missed a mortgage, car, student loan, or cc payment, however our mid ficos are 603 and 655 due to high revolving percentage and we cannot get a consolidation loan. Anyone know of a place that would be willing to help out so we could pay these in full? Is CCCS the only way to go even if we arent behind? Thanks