How do I go about eliminating my credit card debt?
I am 23 with a nine-month-old son, and I owe (on top of my student loans from college) approximately ,000 in credit card debt. I am looking to do a debt management/consolidation program, but was wondering if I should just contact those credit card companies that say to call them if I have "financial difficulties" instead? Also, which debt consolidation programs would you refer, if any? Thank you!