 Thanks for calling Consolidated Credit Counseling Services. Can I help you? I sure hope so. I'm in debt. Is it credit card bills? Yes. I have two credit cards that I'm making minimum payments on and another that I'm behind on. I owe about $5,000. What interest rates do you pay? Between 18 and 22%. At that rate, it'll take over 20 years to pay off. Wow. 20 years? What Consolidated Credit can do is work with your creditors to lower your payments and reduce or even eliminate your interest charges. You