I want to pay all my credit cards

Since you are a registered member, someone should be calling you soon. Hang in there.

If you enroll in a consolidation plan, all your debts will be combined into one payment and you can pay it in easy monthly installments. The consolidation company will call your creditors and negotiate for lower interest rates. They can also waive off most of the late fees added on the total balance. Thus, through this program, you will be able to catch up on your payments.

Or you can also opt for debt settlement in which the settlement company will begin negotiating with your creditors after your accounts are in default for few months. They can arrange a 40% to 60% reduction of the total amount. Speak with a consultant and figure out the best plan in your situation.