Debt Relief Companies Scam

Debt relief programs.?

I’m looking to get out of debt but my interest rates are pretty high (29%ish. I’ve had these cards since I was 18) I have good credit an all but when I try to get a consolidation loan, they say I have to much credit. Part of it I don’t understand because why can’t I have a consolidation loan to consolidate debt. Its not like I’d be adding more debt…
Anyway I’ve looked into a couple debt relief programs. I’ve found a couple that I think are good and a couple that have stay the hell away its a scam written all over it (ex Credit Solutions) So I was wondering are there any legit companies that will be will to help me or can guarantee me a consolidation loan. Any help would be appreciated. Debt is starting to stress me out to a point where I’ve thought about suicide… but then I realize I’m not that dumb.

Credit counseling will actually ruin your credit…

here’s what you do…

1. Contact your credit card companies and tell them that you will be no longer using their services if they dont lower your interest rates…..

2. Be ready to follow thru with your threat..

If you have a CC that has a low enough balance to pay completely off in a month, save up the money, then call them, and if they refuse to lower the rate… Offer them your banking information for a ONE TIME TRANSFER.. and tell them you are closing your account and want to pay its balance off, and that you wish to never hear anything further from this company… EVER.

Watch how fast your interest rate falls when you make good on a threat…. :O)….