I can't recommend anything since I do not know the details of your situation, and since it is unlawful to give legal advice in this forum, only information.
But, I can tell you 3 options I have seen people take to deal with unsecured debt (like credit cards). These options are credit counseling, debt settlement, and bankruptcy.
Credit counseling is where the person takes all their bills to one of the credit counseling agencies and the credit counseling agency contacts each of the creditors and negotiates on the interest rates and sometimes even the balances, and then puts it all into one payment. It is not a loan; the person simply pays one payment to the credit counseling agency, which then disburses the money to the creditors pursuant to the agreement it struck with them. Sometimes this is cheaper on a monthly basis than trying to pay each credit card yourself, and it usually saves money on interest.
Debt settlement is where the person contacts each creditor and offers to settle the account for a one-time lump sum payment, frequently around 40% is the amount settled for. The settlement has to be paid in a one-time lump sum payment, not in monthly payments, normally. Things to watch out for when doing debt settlement is to be sure the creditor provides something in writing agreeing to accept the agreed upon settlement amount before sending the settlement funds, be sure it can be proven when the creditor receives the settlement funds, and be prepared for tax consequences since the IRS considers forgiven debt to be income.
Bankruptcy is where the debts are completely discharged (in Chapter 7) and mostly discharged (in Chapter 13).
I suggest you consult with a bankruptcy attorney in your area since many of them offer free consultations and they can tell you which of the above options, or other options which apply to your specific circumstances, are best for you.
I hope this helps and a positive feedback is always appreciated if this was useful to you.
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