I remember the day in January 2011, I heard the ad on the radio for this. I had decided I was going out for the last meal on the card, and after that I had cut it up and thrown it in the trash. I never thought I'd see the day, but here i am 3 1/2 years later, nearly debt free. Couldn't have done this without you guys. I remember one month I couldnt make the payment, and it wasn't a big deal. The start of a new life is about to begin, and its all thanks to Consolidated Credit.