<prompt> Human: Or are credit card consolidation companies more of a scam? I am currently looking in to Lending Tree as I was referred to them by Credit Karma I have two credit cards maxed out at a combined 10k. My minimum monthly payments are 350 combined. I filed BK 7 years ago and used these cards to rebuild my credit, but overspent when I lost my job for 2 years. My credit as it stands is roughly at 650 now. Lending Tree says they can save me 9k over 3 years; at a payment of 300 a month, I will knock out 10,000 card debt... This doesnt exactly sound right though; if my math is correct, then over a 36 month period Im only paying 10,800. Is this too good t be true? Can I still use my cards if I use another company too help consolidate?  <response>: Reduce your expenses, eliminate frivolous spending, sell anything thats not necessary for survival, pay down your cards as quickly as possible. 