text: No\n\nWhat are you doing to reduce your spending habits and increase your income?\n\nMost people who consolidate their debt go right back to their spending habits and end up running their credit cards up again.\n\nIf you are financially irresponsible the best thing you can do for yourself is to cut up your credit cards and get a second or third job and pay the cards off.\n\nYou got yourself in this mess, you are going to have to work hard to get yourself out.  Most people want an easy solution but there aren't any.