What is the best way to pay off my credit card debt?

I owe 3000 in credit card debt, between 3 of them, going threw a divorce, and before i got separated my wife didn't pay on them for the previous 2 months, and now i am getting hit with over limit fees and late fees, and having trouble making the payments, what should i do?

What is the best way to pay off my credit card debt?
Go to a credit counseling service and explain your problem. They will make arrangements with your creditors for you to make set monthly payments that you can afford without penalties.
Reply:Set yourself up with a budget. With 3,000 on three cards, your minimum payments cannot being that high (not sure what your income is). However, set a budget and pay as much as you can afford on them every month. If you hit a hard time and cannot pay the payments on all of them, pay the cards with the highest interest first. Also, consider consolidating all the debt onto one card (making only one payment a month), or getting a personal loan for $3,000, paying off all the cards, and then making a payment to your local bank or whoever you got the loan from. It will take time, but you just need to pay attention to where your money is going and find areas where you can cut costs.
Reply:Can you work any overtime?





Try to find sites online that will help you in paying your monthly payments. A lot of times you can find a way to work online so that you can work around your regular schedule.





I have been working to pay down 4K. Trust me, it will take time to get it paid down, especially if you are only able to pay a little bit more that your minimum, but it will get paid as long as you work on getting it paid off.





If you could pay $150.month for 2 years, this would be $3400. You probably will owe more than that in interest (balances + interest) but if you could do this, you could probably have it paid down in 25-26 months.





Another thing, call your creditors and tell them what is going on. In the financial crisis everyone is in, they might wave the late fees and overlimit fees or at least work with you. All they can do it say no, so it is worth a shot.
Reply:1. Stop using them, if you are.





2. Contact the credit card companies and see if they can waive a late charge or over limit charge. Let them know you have every intention of paying them off. Most credit card companies will work with now adays.





3. Ask for a lower rate and/or some type of a temp lower rate, waive over limit fees, etc for the next 6 months until you get caught up.





Best of luck.
Reply:Talk to your credit card companies and ask if they will work with you. Most credit card companies are willing to meet you half way.