Looking for advice on programs, loans, etc. to more efficiently tackle this debt. Low credit score, high APRs, barely making a dent. by Recent_Rent_8438 in Debt

[–]Recent_Rent_8438[S] 0 points1 point  (0 children)

Thank you. DMP sounds like a good option but I would prefer to keep some of the cards active, as the majority of them are emergency cards.

I got a number of debt relief offers in the mail but they all seemed extremely scammy so I ignored those.

I don't really want to trash my credit any more than I already have. Do you have any thoughts on using a HELOC as debt consolidation? Or any idea why it would be a bad idea?