[mmemmer]

Hi Jace,

Both answers above are good. Assuming you have good credit and have been making your payments on time you might also contact the CC issuers and ask them to reduce your interest rate.

If you don't have a home but have a viable business, or even just good credit you can try your bank to see what loan alternatives they could make available to you.

Finally if your credit has already started to suffer then you might want to consider contacting one of the credit counciling services, better than bankruptcy but it affects your credit too.