When I struggled paying off my debt, one of the easiest things to do was to be late on a bill.  However, with late payments as much as $70 sometimes, that extra money  that I often spent paying late payments (and then the overlimit fees that the late payment charges had caused) could have quickly [...]

Debt consolidation is a valid practice and can put you on the path to
eliminating your debt in a timely manner.
Choosing the correct
consolidation company is critical.  There are more companies just out to steal
your money than really helping you with your debt.
Avoid ads in
magazines, newspapers, and email solicitations.  The companies could fraud you
in the following manner:
You [...]