We are currently $40,000 in debt. My husband was o
We are currently $40,000 in debt. My husband was out of work for 9 months and has recently gotten a job making about 30% less. I contacted Chase for 2 of our cards and they tell me we have the lowest interest rate they can give me 9.34%. They recommended I talk with a credit councler and they suggest I just continue doing what we are doing but I see us going under if something does not give. We have not been late on any bills but we are barely able to but groceries.