I am $50K in credit card debt, what are my options in terms of debt consolidation?

@ May 4, 2008 # 12 Comments

KarenB asked:

I own my home, but do not have enough equity built to refinance and get $50K to pay off credit card debt-what are my options? Someone told me a second mortgage may work, but I have only owned my home for 14 months. Balance on my current mortgage is $77K, home value is [...]

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How do I choose a reliable debt consolidation or debt counseling organizaion?

@ April 2, 2008 # 2 Comments

byrdee asked: You hear of so many scams out there. How do you know a reputable organization when you see therm? What are are the best options? A compay with a Christian foundation is preferred. ThanksCaffeinated Content

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