I am trying to consolidate my debts

Welcome to the community,Sean :D Since you registered,someone will contact you soon for your free credit counseling. They can discuss your options,and what would be of benefit to you. It sounds like consolidation could be of help,combining all your bills into one monthly payment. If you have any question,please ask...Karen

Sorry,I meant to add this for you to look at http://www.debtconsolidationcare.com/benefits.html Also,sometimes,on your mediacl bills,if you speak with them,they will try to work something out,this might be an option for you,too....Karen