If you are a person with similar problem that I mentioned above, try to visit ANewHorizon.org. This is a site about debt and some credit counseling , and they features lots of very helpful information on how people can reduce their debts and save on basic living expenses. Their site is a resource for financial education, credit counseling and debt management. With their financial solution called; Debt Management Plan (DMP) or Debt Consolidation , they may able to help you get lower interest rates and no over-limit fees, offered by banks through approved non-profit agencies.
This is such a good way to help them rise up again and restart with their financial situation. I think I should be thankful that agencies like these exist to willingly help those that needed it. Let us tell our friends about this and the debt consolidation that could greatly help them.