Totally loss

Talk to a debt counselor about the program. He will suggest you easy repayment plans at lower interest rates. You can pick the one that suits the best in your situation and pay off the debts. All debts will be combined under one payment to the consolidation company and they will post it to all your creditors. Since you will be leaving for Iraq in the next five months, prepare the plan keeping that point in mind. Once started, don't leave it in between otherwise it will hurt you.

I am so sorry that you are caught up in this mess. debt consolidation is a very good alternative and since you won't be in the states to take care of the business first, I would highly recommend that you take care of this before you leave.

Have you registered with this website? If so, someone will be contacting you concerning your options in terms of debt consolidation. This is a real good place to come to when you need assistance.

I was also in your shoes. At the age of 25, I couldn't fight the madness anymore and filed bankruptcy. Bankruptcy, while an alternative, lasts on your credit report for ten years. I would recommend that you try debt consolidation first.

Good luck to you overseas. We will be praying for you.