what to do?

Well,I don't have any definite answers myself.Since you have signed up as a member,you should be receiving a call from a debt counselor. The link below explains the procedure the counselor will follow when they speak with you.
http://www.debtconsolidationcare.com/procedure.html

Welcome to the Forums :D I am sorry to say that I knwo of no fast way to get out of debt. If you do go with a consolidation company, make sure that you are able to meet your obligations, such as payments, etc. You can become debt free, but it takes time and hard work, for me, it took me a while to get in as deep as I was, so it took time and hard work to get myself out. Good Luck ,keep us posted..Karen

Welcome Tesha ~ I am sorry to hear about your situation. Unfortunatly there is really no fast way to get out of debt. It will take some work and disipline on your part, but it can be done. My husband and I are working on trying to get out of debt also, as are most people here. Things you don't want to do is take out more loans to pay for the ones you already have, especially payday loans. These are too easy to get and too hard to pay back. You can find lots of support here, so feel free to post your progress, maybe vent or whatever you need. Hang in there.