If you're like lots of people in today's economy, you are likely having trouble making your monthly payments. It likely seems like no matter how hard you try, it doesn't ever seem to come together and you always fall just short. In All Probability you've got way too many credit cards with very high interest rates. You don't want any of this to affect your credit or go against you but the truth is you just can't find the money to make your payments each month. If this fits your position, you are likely a genuinely positive candidate for a debt consolidation or mayhap a debt reduction.