Debt consolidation to manage my credit cards

Hi Samantha! Welcome to the forums, you've found a great place! :D

Since you've registered, a counselor will call you in the next few days. They will explain different consolidation/settlement options and will be able to point out some reputable companies. You are under no obligation to take their advice at any time.

In the meantime, please look around. Feel free to ask any questions, all of us here have had some sort of debt issues or other, and we're always here to help!