sound credit/debt plan?
I'm trying to fix my debt situation, and I'm wondering if this seems like a sound means of doing so. A goodly portion of my debt at the moment is utilities. I have two credit cards, neither of which have huge amounts on them, but they have high interest rates. I'm planning on paying off in-full my lowest debt first, which is Utility A (for which there is also no government assistance available). I'm planning on calling my remaining two utilities, setting up a modest payment plan for each, and contacting the government assistance programmes to help pay off what I owe to Utility B and C. When at all possible I'll pay MORE than my payment plan amount. Now here's where I get stuck. I'd like to pay off and close one credit card, and only keep the other. The one I want to close is the one with the highest interest, and with no benefits of use. Is there a way to work with the credit company to set up a payment plan and perhaps lower the interest rate on the card if I'm making sincere payments? I know credit companies make the most money off interest, so I wonder if a CCCS might be the best way to go for this? The second credit card I plan on dividing up what I owe in increments that I am able to afford, even if they are small, and pay as much as I can. As the other debt is paid off, I can increase my payment amounts and pay off the card. Thoughts? Would CCCS be helpful here, or would that be a bad idea?