Hi, I am considering starting a DMP with Incharge and would like some advise. My debts are,
HSBC Kawasaki card - $4700
HSBC Best Buy - $700
CAP 1 card - $1000
BoA card - $1700

The intrest rates are killing me, I have been late a lot and they cranked up the rates. One problem is on the Kawasaki card I had a co-signer, and I am no longer in touch with him so I dont know how that plays into things.

Just off the top of my head, if you were to apply the $30/month fee you will pay for some DMP plans to the debt every month, you'll pay it off in about the same length of time.

How much extra (above the minimum payment) can you apply to these debts? At just over $8K, a snowball plan will probably get you out of debt faster than a DMP.