 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 are you paying? Between 18 and 22 percent. 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 should be able to pay everything off in three or four years. What do I have