[scott]

Have you ever considered going the debt settlement route? Debt settlement isn't for everyone though. It is meant for people who are burdened with overwhelming unsecured debt who are going through a legitimate financial hardship (loss of job, medical, etc). It's not meant for people who just dont feel like paying off their bills.

Debt settlement is the process of negotiating with creditors to actually reduce the balances that you owe. Let's say you are 20K in debt. With debt settlement, you may only pay back around 10K to get out of debt. There are companies out there who specialize in debt settlement.

I actually work for a company that does this type of work. If you want some more information, PM me. I'm not going to give out the company name because that could be considered spam. Debt settlement is just one option you have that I thought i should bring to your attention.

Let me know if you have any questions.