debt consolidation loan

You'd need to apply for one with a company that does them. Be careful, sometimes you end up worse off by taking out a consolidation loan than if you had just tried to handle the debts you already have.

Welcome to debtcc forum! You can also help yourself. First of all, put away all your credit cards. Try paying by cash or cheques until your credit card balances are paid in full. Pay your lowest balances first to completely remove some of your debts. Review credit card statements and credit reports for errors. Cut down on your expenses and set a realistic budget. I hope these tips will be beneficial to you.

Don't consider debt consolidation or credit counseling agencies your first stop. These should be your last resort. Although they may be tempting, doing it on your own will help you learn the skills. You need to fix your own problem and avoid getting in this situation again.