I want to pay-off my credit cards!

Have you entered into a contract with DebtXS yet. If not, may I suggest that you don't until you have sought the services of a debt counsellor. DebtXS seem to be agents for you and that is about it. You will have to set up a savings scheme and administer it, all that they will do is talk to your creditors for you and charge you a monthly fee for the privilege. Try www.consumeraffairs.com/debt_counsel . They don't have debtXS on their list of bad guys, but there is a very helpful set of articles that you should read first. By the way, DebtXS say on their website that your credit rating is likely to be effected by arranging an agreement with your creditors. Take care.

I paid off my credit card debt with a loan that I will pay off in two years. Problem is I will have to sacrifice myself for those 2 years because the payment is almost $500.00 a month. I am also left with one credit card for $2400.00 that I have to pay separate. I'm trying to save a little also for emergencies and medication. It's really hard, but you have to start somewhere. Don't pay attention to your creditors. Change your phone number!

I too have lots of credit card debts and so far I could still manage and pay them for now. However, I always make a proint that I pay 2times the minimum payment due or more than the due to make sure that my debts are decreasing.

Having credit cards makes it to easy to get what you want...You get the item or items then think now I have to pay for it....I make the monthly payment plus some then I try to pay them off with my tax return...Or least a big chuck of them...