Credit card debt???

what can the credit card companies do to get there money from me? they are unsecured loans,i dont really need to have good credit right now.im self-employed.i have a house and company vehicle. I had a tough few months this year with business and they have been relentless and unbudging on demanding autopayments set up.so the harrassment continues.im to the point where i feel that they will have to force me to get it now.i can live on cash.i want to do the right thing ,but man they are so impersonal and demanding.(im 40 days late on most)and when i try to call them for help before its a 20 min call. now they call me 18 times a day.(4 cards)

i looked up "snowballing" and i dont think that will work for me!!!!

You might not need good credit right now, but are you 100% sure within the next 7 years that you won't. That is how long it will take to clear up negative information on your credit report.

Also, dealing with credit card companies that just want to work out a plan with you is a LOT easier than dealing with collection agents who are even less compassionate.

Search online for "snowballing" as a method to pay down your debt, and create a strict budget to get back in shape. It will only get worse.

go get them consolidated. It will end the harassment and will most likely improve your credit as well as lower your payments.

Consolidate dude.

You have credit card debt, and you wan to pay it off as quickly as you can. We will assume that you are going to stop creating more debt. You have changed your ways. You also understand that paying credit card<!--balances with a consolidation loan or rolling it into a mortgage isn't paying it off. In fact, paying a lower interest rate, but paying on the debt for many more years, usually means paying much more, not less.Okay, so you really want to be rid of that credit card debt.

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First, you have to understand that not all debt is the same. Of course you know this. Some of your cards have a higher interest rate than others.Find and budget the money to start paying down those balances. If you order pizza every week, for example, you may be spending $60 or $80 per month right there-->If you are serious about getting those debts paid, you may have to eat $4 frozen pizzas for now. Do what you have to do, and determine how much you can apply towards the debt each month.

Well, a couple of things you might want to consider.I've had good luck here...http://creditcard.expertips.info/online-...