My credit card Debt

They are calling me all day every day - anybody can help me with this please let me know- thanks

Welcome to the Community :D Have you tried contacting the cc companies and asking them to drop or lower your interest so you can get this paid off? Some companies have a hardship program, and will drop the interest if you commit to paying it off. If this doesn't work, you have registered here,so, you are entitled to a free credit counseling. They will discuss options you may have concerning your debt, such as consolidation. You can put all your unsecured debt into one monthly payment, with lower interest, allowing you to get them paid off faster. You didn't mention if these debts were still with the original creditor or not. If they have been sent to a collection agency, things can get ugly!! If you have any questions, please feel free to ask..Karen

Get the debt validated by the collection agency before sending the payment. You must be sure that your file is with them. From the details, you will know whether the OC has sold your file to the CA or they have just been hired to recover the debt. If the OC still has your file in their system, you might be able to work out a payment plan with them. If this is done, you won't have to make any payments to the CA. The OC will pull your file back from the CA.