credit counseling

credit counseling

With the looming rise in credit card interest rates & increased minimum payments, I'm starting to look at credit counseling agencies to help with my finances. I don't think I'll be able to pay the minimums on some of my credit cards once they go up. Has anyone had experience with these companies? Thanks in advance.
The bastards are back!

The bastards are back!

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A Work in Progress

A Work in Progress

Fleeting beauty

Fleeting beauty

Pictures of a red sunflower.

Pictures of a red sunflower.