My husband and I filed Bankruptcy 2 yrs ago. We have since then gotten 4 credit cards ( mc & visa) through Providian. We are in desperate need to find one credit card to transfer all 4 balances($13,000.00) too for one payment with a lower intrest rate. Is there a card out there for us?? Is there any other solution for us to get them paid off and have less to pay each month, without doing a credit program?

You should speak with a few loan officer's at local banks to see if a debt consolidation loan is the right answer. My feeling is that you would be in better shape if you paid of your balances on the cards with a debt consolidation loan, and keep 1 credit card for convenience. In the meantime make sure you pay at least the minimum on your cards by the due date, to keep repairing your credit history.