[FITZ]

Exactly how I have been working on them and they are moving.

For some reason that is the method that seems to work best. Get the little ones gone and you have more money to then go after the big ones. Maybe it's psychological but it's a good stategy ---I was actually surprised at how quickly all my debt was gone after using this method. I got very drastic in spending as little as I could during that time, you find you need very little, most buying isn't necessary.

[XBob]

"Get the little ones gone and you have more money to then go after the big ones."

That works well, particularly when you add new credit cards (temporarily only) with those fantastic low interest rates for the first 6 months (move your big credit card bills to these and then move to new ones as soon as the cheap rate is up) as all too often these cheap rate places make their money by super high fines, late payment charges and other crap. I had one once, which would hold the payment in house for a week before sending it out, and then on receiving payment for 2 1/2 weeks for processing, and then charge a late fee, so the only way to get the payment in on time was to pay the bill the day you got it.