How can I consolidate my debt with no consequences to my credit, and no high interest?

I had good credit, but I purchased a new motorcycle, and unlike a bank load when you purchase a car, they gave me a credit card with a high enough limit to buy the bike (in my case $9800). It's down to about $8800 and I have about one year left at 6.9% APR before it sky-rockets. I also have two credit cards, one with about $1800 at 24% APR and the other with $2800 currently 0% APR.





I would like to combine all my debt and keep the APR down.





Anyone had good experiance with any debt consolidation companys?

How can I consolidate my debt with no consequences to my credit, and no high interest?
debt CONsolidation is just that, a con. It don't work. All you do is move debt around and rename it...





your goal should be to get the debt paid off... that works every time.
Reply:redit card debt, is not an unusual situation and we can find people everywhere, who are suffering from this very problem. Getting into debt is very easy, just a quick spending spree and you will reach this hell, but getting out of a credit card debt takes a lot of discipline and will. However, nothing is impossible and anyone can get rid of the credit card debt provided he follows these basic things.





Discipline is the first thing to begin with. Yes, usually it is the wasteful expenditure and uncontrolled spending that lands a credit card holder into credit card debt. Taking a pledge to control your credit card spending unless you get out of this credit card debt will put you on the right track.





Budgeting the expenditure and taking control of your finances will help you gauge what is needed and money spent on which items are bugging you later. Again the discipline comes into play. Sticking to your income limits will help you cut the overspending and simply have the courage to cut off all those things which are not absolutely important.





When you have decided what is necessary, try to pay for all that with cash. Yes, you heard it right hard cash. This will benefit a debt ridden person tremendously. Put off those credit cards away for the moment.





While budgeting, make sure to earmark the amounts necessary for credit card monthly installments. These funds should not be used for any other thing what so ever under any condition. This will build up a repayment schedule which is regular. Thus acting in this way you will do two things. First, you won't add anything to your credit card bill, secondly the repayment schedule will get regular. So, your debt will start reducing regularly. Read more from: http://www.credit-card-gallery.com/artic...
Reply:first talk to your bank or credit union about a consoladation loan - you will probably have to use the bike as collatrial--the interest rates don't change - you also know how long you will be paying on it





some of those debt co are shady
Reply:You need to to go to www.daveramsey.com before you get in even more trouble.

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