Because I took large cash advances, I'm now stuck with 20% interest on $8000. and getting no where of course. I recently contacted "DEBTicated" (through Lowermybills.com) They lower your interest rate or process a loan etc. etc. Can anyone recommend them or not? Does using a service like this result in a negative? I've tried a few balance transfer offers and been turned down (high balances and too many open accounts I think) I have no negatives and am current on everything so I think I should be able to find an option but.... Can anyone recommend a good consolidator or (real) professional guidance service for me? What is the best statagy to deal with this kind of problem? Thanks in Advance. J2 PS I don't own a home
