Urgent Debt Consolidation Guidance

I need to roll my outstanding credit-card balances into a single, manageable payment as quickly as possible. The immediate priority is a clear, actionable consolidation strategy that replaces several high-interest statements with one payment each month.

What I’ll supply:
• Current statements, APRs, and payoff timelines for every active credit card.

What I expect back:
• A side-by-side analysis of my present obligations versus at least two realistic consolidation options (balance-transfer card, personal loan, or any other viable product).
• A step-by-step plan that shows how and when each card will be closed or rolled over.
• A final repayment calendar reflecting the chosen option, including projected payoff date and total interest saved.

If you already work with spreadsheets, budgeting software such as Excel or QuickBooks, and have experience negotiating with banks or credit-card issuers, your insight will be invaluable. The sooner we can finalize the roadmap, the faster I can regain control of my finances, so speed and accuracy are both essential.