Do we recommend utilizing balance transfers credit cards to lower APR or 0% for a certain # of months?

Balance transfers are a strategy to pay down debts without interest accruing, and overall pay less interest. Implementing this strategy can also "buy some time", as you work on your debt payoff plan.

Warning: Be careful not to get tempted to charge back up the new and the old cards). Be clear about your goals and stick to your debt payoff plan, no matter what.