Your Suggestions Don't Work
Your ideas are good on paper, even workable if someone has a steady income with regular raises and no emergencies.When emergencies and other hardships happen so often and for so long that savings are gone and can't be replaced, credit cards are maxed because there has been no other choice. Your advice is a 0% balance transfer card which no bank will approve for someone with high balances. You need to give advice on how to get the money to pay down high balances when no legitimate company will help. I can get high interest low amount payday type loans. You also need to give advice on how to keep creditors from dropping limits as the account is paid down. I am harassed by debt settlement and consolidation companies. Any advice on them?