My biggest debt problem is a credit card that has nearly a 10K balance and about 60% of that is on Cash Advances which has a 25% APR. You see the C.C company has it rigged where making the min. payment of about $250, all of the new finances charges every month gets added on to the higher cash advance balance and all of my payment goes to pay down the lower purchase rate balance of 10% so basically I can't begin to pay down the higher rate portion of the balance (in fact it gets bigger every month) until I pay down the entire purchase rate balance of about $4,000. I spoke with a credit counseling agency about a year ago and they offered me a plan of about 10% APR on the entire balance, but only if I agreed to close that C.C. Acct. I am reluctant to do to that because it is my only source of emergency funds (I have purchase checks now at a lower rate). My question is, is there a credit counseling agency out there that will give me that better payment plan and let me keep that C.C