Target the account with the first, regardless of interest. Pay minimums on the remaining accounts.

If you want to be debt-free in 90 days, you need to earn approximately $1,350 per month above your current expenses. Here are realistic ways to generate that:

For completeness, we must address the situation where the debt4k search comes from someone truly unable to pay—no income, serious illness, or other catastrophe. In that case:

Check with the Better Business Bureau and your state‘s attorney general‘s office to see if complaints have been filed against a company. For example, one BBB profile for a debt relief company showed 59 total complaints in the last three years, with 28 closed in the last 12 months—a significant red flag.

One predictable payment. No teaser rate to expire. Can improve your credit mix. Cons: You will pay interest (though less than credit cards). Origination fees may apply.

Many financial institutions offer online calculators to help determine whether consolidation makes sense for your situation. You can enter your existing balances, APRs, and monthly payments to see potential savings from combining debts into a single personal loan.