Hello, everyone! What should someone do that's has a significant amount of debt? I know about the usual channels such as transferring balances to a 0% interest credit card, calling the credit card companies to have the interest rates lowered, etc. This is a significant amount and I don't know much about the debt consolidation companies, etc. I've done a TON of research online but I'm not convinced that all the info is accurate. Any advice in reference to tricks of the trade, or things to watch out for would be appreciated. Thx so much for your time!