So I'm in debt. Far more than I ought to be. But for the past many months, I've been making active efforts to not use any of my credit cards unless ABSOLUTELY necessary, which I've been finding really isn't all that often, and paying off more than minimum balances whenever I could. All the same, At this rate, I won't be out of CC Hell until, like, 2011 or so. (And this is ignoring the student loans I'm current getting, and the business loans I'll have to take out in order to open a practice in four years.)
I was telling all this to a friend, and he recommended Consumer Credit Counseling Services of OC. A different friend had recommended them a couple of years ago, but at the time I was too dependent on the cards to even consider it - the first thing CCCS does is freeze your accounts so you can't accrue more debt. But this time, it occurred to me that I'd already weaned myself off the cards for the most part. So what's holding me back from getting some help, and possibly having someone negotiate the minimum payments and interest rates down on my behalf?
With that in mind, I sent in my information yesterday. They'll have a counseling person review and send me an e-mail in the next two business days with advice and possibly a plan.