[jmjj215]

Remember in the excitement of negotiation that the best way to avoid the interest is to avoid credit cards all together. Great job on handling those companies though! If someone wants to get out of debt, then it's always motivating for the person to see that they're already making headway (with lower rates) even if they haven't yet begun to pay down their balance.

Remember that debt is a symptom, not a problem. The problem is usually something to do letting more money go out than what comes in. I'm sure you've talked with her about that already though! The budget is the bedrock of any financial plan! Way to stick it to the cc companies.