How do you consolidate credit card debt if you do not own a home?

I owe about $12,000 in credit card debt and I wanted to make that my year%26#039;s goal to pay it off, but a lot of the websites I find require that you own a home, or charge a huge interest for someone to %26quot;negotiate%26quot; with your creditors to bring down interest. Does anyone know of a good resource where I can just consolidate the debt and make one reasonable payment?

How do you consolidate credit card debt if you do not own a home?
You can go to a bank for a signature loan. Enough to pay one or two cards. By taking out the loan you may pay 12% interest; and retire a credit card at 23% interest. Make the payoff of your loan over 3 years and place the extra monthly cash against another card, the highest interest payment.





OR Pay the minimum on all your credit cards and the balance into savings. Look for a house, when you find a place you can afford to buy YOUR RENT MONEY WILL WORK FOR YOU. The purpose is credit control not the %26quot;castle of your dreams%26quot;.
Reply:Hopefully you have kept up with minimum monthly payments...





You can make an appointment with a loan officer at your bank and discuss a consolidation or line of credit loan in order to pay off the high interest rate balances on your credit cards.





However, if you haven%26#039;t been keeping up and missing payments here and there and making late payments, your credit history is likely down the tubes and all you can do is to talk to the credit card companies about payment plans that will not end up with your account being sent to a collection agency!!!





Once you belong to a collection agency there is not much left to do except sell everything you own and try to pay them off. Maybe your family could help you out?





I had to use my children%26#039;s RESP to pay off a collection debt--they wanted all the money within a week! Or else....





Good luck and don%26#039;t wait too long before trying to make amends with your credit rating!
Reply:being in debt sucks. use this site to get quotes on debt consolidation. you%26#039;ll be debt free in no time!
Reply:Do it yourself. Pull a tri-merge bureau on yourself (one that contains all three credit bureaus) and dispute the charges or contact the companies yourself. Nothing works better than a person to person chat with your debtor as long as you stay rational about it.
Reply:Get a job and save your money and payoff your debt and cut on your expenses. That is the only way you pay off debt.
Reply:you need help http://www.wesayes.com
Reply:$12,000 in credit card debt???





Jesus f%26#039;ing christ...





I%26#039;ll bet you don%26#039;t have anything to show for it either do you??





If you do - sell that sh** and pay them off. You could make massive payments on that much credit card debt and the interest alone will eat up the payments - leaving you owing the same amount.





You can try talking to some local debt consolidation places, but my main suggestions would be:





A) sell off anything you have of value, and use it to pay off those cards





B) chop those f%26#039;ing cards up (if you haven%26#039;t already).





C) stop spending money on sh** you can%26#039;t afford.





Sorry to be so harsh, but $12,000???? That requires harsh.