I don't want Credit Counselling. I want a loan to pay off my Credit Cards. I have no "late payments" or deliquencies. I plan to pay the debt I incurred. I just want to know where to go to find a decent loan. I'm tired of the outrageous interest rates the Credit card companies are charging. I have a good job, with good income and own my home. I should be a good risk, but can't find anyone who funds this type of loan without attaching it to my mortgage. which I don't want.