I have credit card debt in the amount of $11,621.00 between four cards. I just pay the minimum due because I can't pay any more than that. Of course I'm getting hit with interest rates also. The average APR is about 17%. What can you company do?

American Credit Foundation can reduce the payments and interest. Each different creditor will have different rates, so you would be best to contact the company for the specifics. They will also consolidate your payments into one, that you would make to American Credit Foundation that will then be disbursed by them to each of your creditors. With the lowering of the interest rates and the consolidated payment, they will typically have you out of debt in 4 to 6 years saving you significant interest and time. If you look at your credit card statements they will show you (in the fine print) how much time it will take you to pay off and the amount of interest you would pay if you continue to just make the minimum monthly payments (typically this is in the 10 to 15 year range depending on interest rates). You can then compare that information to the free quote that American Credit Foundation gives you to determine if it's worth your effort. They are a great company with an A+ BBB rating

They can renegotiate lower interest rates and lower payments with each creditor. They charge a small fee of about $35 a month for the service. The only catch is that this will prolong the payment period so in the end you'll pay less to the credit cards but more to them. So you'll save a little but not much due to the long term period you're going to pay. The only reason I did it was because it reduced my monthly payments by $200. But now instead of three years it will take me 5 years to pay it all off.