Hello,
Over the past 15 months I have pretty much maxed out all my credit cards totaling roughly $25k. I have not been late on any of the cards but I cannot keep up with them. My spouse is no longer working so things are going to get bad. I have talked to several companies that recommended paying $447.00 monthly for 44 months. I know that this will ruin my credit with each company and my score will get worse. I'm not sure what to do. Last resort is bankruptcy. Any suggestions?
