bibas, what about credit card gives 3.99% for the life of the balance, should I use loan which has 8.99% APR, which one is better?
Let's say you send money to Nepal, and go for consolidation, does it help?
If you can't ow won't pay credit card , how come you go for bankcrupcy. If you work for company, they will cut your salary, isn't it true?