My husband and I have a lot of credit card debt. We have a lot of little credit cards for each of us. They all hold balances and are maxed out. We've considered bankruptcy but really don't want to go there. Both of our credit scores are under 600. We're considering a debt consolidation program where we can make 1 payment a month, if they accept the offers. But I've also heard a lot of bad things about them saying that they're just as bad a bankruptcy. Anyone have some insight? Thanks!
