I have three credit cards: two of them charge around 21% interest and the third around 30%. I've tried to get the interest reduced and have succeeded in some cases, but after a period of time the rates go right back to what they were before. I've tried debt consolidation with my commercial banks (the bank I hold my mortgage with and the bank my checking account is with), but have been denied help by both.
So, I'm hurting.
My question is ... Is there a debt management program that you can recommend that would help me out? One that won't hurt my credit?
Or am I better off declaring bankruptcy?
I really want to pay all my bills and don't want to leave my creditors holding the bag, so bankruptcy would be the last option if there were any other way.
If it helps, I'm a disabled vet (certified 100% thirteen years ago).