My girlfriend has managed to accumulate credit card debt of 12,000 on one card, and 1,500 on another. Both have an interest rate of around 28%. This is in addition to being overdrawn plus having a car loan. She can barely manage minimum payments.
Clearly a balance transfer card isn’t going to cut it.
What is the most efficient method of moving and tackling a debt of this size predominately on credit cards?
Thanks in advance