Although most of us don’t discuss it openly, credit card debt is one of the most important issues in our lives. The carefree lure of buying it now and paying for it layer appeals to the procastinator in all of us, but now that it’s later, it can be quite overwhelming to consider how much we actually owe. If you are at this point in your credit card relationship, then you’ve probably already heard of credit card consolidation. If you haven’t, credit card consolidation is basically bundling all of your …

The Problem
Perpetual credit card debt is an affliction that haunts consumers around the world. While the theory behind credit cards sounds simple—buy things now and pay later—many families are often led into financial ruin because they are unable to manage their debt properly.
For some, it may be better to never even own a credit card at all. Paying for everything with cash seems to chase all debt worries away. However, if you are already drowning under your credit card debt, you need a way to systematically attack the debt. Since …