How much time will it take to be debt free?

Have you talked with a consolidation company? They might be able to help you with your situation.

I would ASSUME alot of that is %. I'm sure, if yiu find a 'good' consolidation/settlement company, they can get rid of all of that %. " How much time does it take, to get out of debt?" I would think it depends on your situation and what your options are, to handle it.

Hi. Welcome. I think that the best thing to do is to contact a reputable debt consolidation or settment company, as well. If you consolidate then you might have a good chance of getting some of the interest dropped and actually start to see your balances come down. But, be very careful who you sign up with. Many companies are scams and they make as much in fees as you currently pay in interest. The service is of no use to you if you aren't paying a good bulk towards your principal.