Charles- you always say it better than I do.

Home is in Prince William County, Virginia (Washington DC suburbs)near Fort Belvoir if that helps.

Welcome back Charles!

Charles Schwab Bank PAL account.

Charles Barrow I am curious on what do You think of Cody Sperber's Program >

Severely Distressed Housing Price Index (HPI) ‐ 6 Trailing Months (annualized)ConnecticutWindham 09015 ‐3.50%MarylandSaint Mary’s 24037 ‐4.88%New JerseySomerset 34035 ‐0.53%Cumberland 34011 ‐8.02%New YorkMontgomery 36057 ‐5.03%Madison 36053 ‐5.11%Schenectady 36093 ‐5.60%Tioga 36107 ‐5.78%PennsylvaniaColumbia 42037 ‐1.23%Lackawanna 42069 ‐1.88%Pike 42103 ‐11.40%Schuylkill 42107 ‐4.13%VirginiaPulaski 51155 ‐1.39%Prince George 51149 ‐14.79%Goochland 51075 ‐14.94%CaliforniaPlumas 06063 ‐0.25%FloridaOkeechobee 12093 ‐4.74%GeorgiaPickens 13227 ‐0.35%

@Charles Press Is exactly right.  

In the example above that would be $100K*80%= $80KYou can apply for a HELOC at 80%, use that money and pay off the credit card debt or at least most of it.Important final point, and I think that is what Caleb and Charles are pointing towards: Ask yourself if that balance on the credit card is a result of spending you had to make at that point in time (i.e. emergency) and with a frugal/practical mindset, or was there spending that as frivolous.You might say: "it was a little bit of both". 

I thought I would add some stats for San Diego to demonstrate what @Charles A. was indicating.  

Has anyone heard of or had any experience with Kimberly & Charles Petty or any of their programs?