[Ima saver]

What about consumer credit counciling? First they require you to cut up your cards and no new debt. By law, you have to pay 2% of the balance each month, so i don't know how they can lower your payments. I do agree that your brother needs to learn on his own how to handle credit. He needs to take on an extra job, sell stuff, tighten his belt and pay every penny he can, on his credit cards. We all like the debt snowball, where you pay as much as you can afford on one credit card and minimums on all the others until the first is paid off. They you throw all the money from the first credit card payment plus the minimum on the 2nd. So on, til you get them all paid off.