<prompt> Human: Hey all, amongst two cards I have 12k in debt on cards whose 0 is expiring soon. I have a stable job and can only pay maybe 500-700 towards the debt, per month. I can pay off in 24 months, incurring hefty interest. I think there are third party companies that help consumers avoid bigger interests by paying off the debt now and setting a borrowing contract between me and them instead of me and bank. How do I find these guys? Are there other methods of lowering interest?  <response>: The idea of a 0 CC is to pay it off before the sucker rate ends. If you can get another and do the same churn, then try. But that hasnt worked in your case. Can you sell any of the stuff you put on the credit cards? 