Paying off credit cards as retiree

I have $15000 in credit card debt, paying $300 a month min. payment to them. Should I try to borrow that amount from bank to pay off quicker? All my wife & I make is $1670 a month on S.S. Have $600 house payment & of course utilities. Would my local bank be the ones to ask or will they do what is good for their business. have thought about bankruptcy but I read about alot of negatives to that also. Thank you if you have time for this.
Larry

Terry Says:  The real secret here is figuring out how you could earn another $3oo per month.  I know you are retired — but are there small jobs you could do, perhaps for cash to help out a neighbor?  Could you walk someone’s dog during the day while they are at work?  Could you drive another senior to do her shopping?  I don’t know about your health status or physical abilities — but there is always someone in worse shape who could use your help.  Ask your local senior center if they could help you find a paying job part time.  I start with this solution because that is the REAL answer to paying down your debt — and if you put all that extra money toward your balances you could only have to do this for a few years!

You won’t get a personal loan because you aren’t working and have no income.  Banks know this.  And even online lending companies may offer you money to consolidate your credit card debt — but you could get in trouble again, charging them up.  So I suggest you call the National Foundation for Consumer Credit at 800-388-2227.  They will connect you to the nearest local agency. You can go in and talk with them — or do it over the phone.  They will help you figure out how to deal with this burden and you can trust them completely.