So all totaled up over 4 credit cards I have about $9000 worth of debt. I am lucky enough to have never missed or been late on a payment, but my balance is quickly hitting its limit as the interest kicks in and I am in danger of over drafting on 3 out of the 4 in the next few months. I simply do not have enough income to do anything more than pay the minimum payment every month, so in theory the balance will never go down. I’ve heard all kinds of negative things about debt consolidation loans but honestly do I have any other options at this point? Would it be as simple as walking into my bank and attempting to get a loan for say $9000 to pay them all off? Seems like there’s more to it than that. Looking forward to hearing from someone who knows more about this stuff. My income is about $45,000 if that helps, thanks. . .

Maybe you should seek the advice in your signature than ask members here, after all this isn’t a money site.

But if your seeking advice as opposed to promoting your company, I’d say steer well away from consolidating into a loan.

There a rip off and you’ll be the loser, whilst the loan company will profit.

this is like me coming on here and saying,

“I have a real problem with my website, the graphic designer I used…bla bla.”

And by coincidence look, whats that in my signature?,  a link to a website where I offer WEB DESIGN.

Come on…