I am getting sucked into the debt trap. i work on minimum wages.please advice?

my debt on credit cards is 8500$ with total limit of 14000$. my credit score is 653. Right now i am just paying minimum.after the introductory period got over, the interest now charged is 15.4%..i badly need a card that will offer 0% balance transfer. are there any credit cards which will approve me. or is there any other way to get out of this trap

I am getting sucked into the debt trap. i work on minimum wages.please advice?fha loan

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Credit card debt consolidation counselors are experts with a good knowledge of debt management, budgeting and behavioral patterns of credit card holders. These services are vital for those struggling to manage their credit card debts. Also called credit counseling or debt counseling the credit card debt consolidation counseling brings immediate relief to a credit card holder.

A person seeking credit counseling can get it from two types of organizations. The professional or commercial organizations, and the non-profit organizations. As depicted by its name or categorization, the commercial organizations charge money for their credit counseling sessions and consolidation help on the other hand the non-profit organizations offer free of charge services. Just because the non-profit organizations are free, it doesn%26#039;t undermine their quality of service. The persons associated with such organizations are thorough experts and have lived the trauma of being under credit card debt themselves and hence bring their vital experience to the credit card holder.

When a person approaches a credit counseling agency, the first thing it will do is to take stock of the situation and get various facts about the credit card debt. The credit counseling agency collects data about the income, expenditure and spending habits. It will guide the credit card holder about budgeting benefits and try to inculcate good financial habits. Read more from: http://www.credit-card-gallery.com/artic...

I am getting sucked into the debt trap. i work on minimum wages.please advice?

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i would never use a credit card or checks. i stay with cash. maybe you should file for bankruptcy.|||I listen to Dave Ramsey and I think he would say- increase your income. There are many things you can do without having specialized training and make much more than minimum wage, like cleaning services, mowing lawns, etc. mostly service jobs. You have to increase your income. You can%26#039;t make something out of nothing.|||You need a lot more than that. You need some serious credit counseling. I know of a site that will give you the straight scoop on how to get back on track. Go to: www.1-800BadCredit.com and check it out. They have helped thousands get back on track. Good Luck!