Best way to pay off credit cards is to use a big wad of cash. People’s opinion might and WILL differ of course.

See the affiliated site is an Experian company BBB approved so very safe.
They might or they might not have you on. It depends on many factors and how big the debt is.

Forget debt consolidation, debt settlement, and most of those debt something or other companies you see advertised. Many are scams and with only $4K of credit card debt, you need to learn NOW how to dig yourself out of that debt. Otherwise, in 10 years you’ll be asking how to get out from under that $40K of credit card debt.

First, sit down and make a strict budget. Get rid of all extras. If you only make $1K a month, you can’t afford eating out, new clothes, cell phone, alcohol, etc. Take every penny you can squeeze from that budget and throw it at the highest interest rate credit card, while making minimum payments on the rest. When the highest rate card is paid off, move to the next till they are all paid off.

Look for ways to bring in extra cash. Have a garage sale, collect alum cans, get a second job … Throw it all at the debt.

When you do get the credit cards paid off, only charge what you can afford to pay in full every month. That way you’ll build good credit, save the interest, and stay out of debt.

I’d recommend doing a bit more research than what is just covered already here, check out

dave ramsey

Debt consolidation can be a good solution if you have a hard time to discipline yourself and make multiple payments in a month.

I would suggest you to just pay the debts directly if you can continue to send the payment over. That will save a lot of cost.

Dave Ramsey, Dave Ramsey.com Total Money Makeover…
He has the right answer.

i can’t stress this enough. the best way 2 deal w/ debt is 1′st 2 care 4 their own needs. by law, all govt income’s untouchable, & unsecured debts r low priority. secured debts require a higher priority, & judgments require the highest if they r about secured debt. if u get behind on pmts however, no 1 can take personal property. never answer the door 2 bailiffs if they appear.

debt consolidation services usually charge and depending on how they negotiate can do serious damage to your credit. If you qualify for a debt consolidation loan from a bank or credit union then that may be a good idea. These are hard to come by right now though. If you have something to use as collateral it may be easier and get you a lower rate.

Either way, stop using the cards and pay as much as you can towards them. 4K isn’t a lot of debt in the grand scheme of things but adds up at 25% interest and an $1100 income.

The “strategy” is simple:
(1) stop charging
(2) make bigger payments