Be careful with the credit counselling stuff. Someone I know almost go burned badly by one that was funded by a credit card company. There are a bunch of articles out there about choosing a legit one.

I'm already starting a list of who to contact. You know, for when I have copious amounts of free time. :)

Yikes wtf unacceptable.

No kidding!

Whoa! Can't you open a new account -- you know, one of those credit cards that says you get 0% interest for the first 10 months and balance transfers are free? I would transfer the balance and start paying it off while there's no interest. Sheesh. 30% is highway robbery.

GEE I WONDER WHY WE ARE IN A RECESSION

Overthrow capitalism. Anarchosyndicalism 4 lyfe.

Yee-ikes! The way to avoid that interest rate is by paying your monthly bill on time. If you miss payments, they start to see your account as a risk so they increase your interest rate. Check your agreement. It should tell you how high the rate could go.

Sincerely,
Your friendly Credit Manager

picword: Rite of Spring

Yeah, that's what happened with it. But, damn, 30%? I think that's a bit much to charge anyone. I like how they make it harder for you to get yourself back on track. No matter, it shall all be taken care of soon.