I have 4 cards with one vendor (Platinum, gold, et

I have 4 cards with one vendor (Platinum, gold, etc.)can I approach them into a debt consolidation plan with me. I can't pay these however I do not want to file bankruptcy either. I hope to get these paid and maybe restore my name, but I can't with the rates they are charging or should I go for debt cosolidation program?

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Yep...you may try to negotiate with your creditors and consolidate your debts on your own. If it seems difficult to negotiate yourself, then you may enroll in a payday loan debt consolidation program. This program will help you to replace your multiple bills into a single monthly payment.
 


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You can negotiate with your creditors and tell them to arrange a debt settlement plan for you where a portion of your outstanding balance would be waived off by your creditors and you would just require paying back the rest of the amount.


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You can enroll into a debt consolidation program definitely. However, you can also go for balance transfer method. Here, you can transfer all your balances from high interest cards to a card with low interest rate. Thereafter, you only have to make a low single monthly payment on the card. Just make sure you pay off the balance within the introductory period. 


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You can contact your creditor and negotiate for a debt conolidation program with them mentioning your financial hardship. If the creditor is convinced about your financial harship, you will find that he is ready to consolidate the 4 cards. This will help you in paying off the debts in an affordable manner. You may even contact a debt relief company and take their help in consolidating your 4 cards.


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Who is the lender and how much do you owe???

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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