Can anyone help us?

There are many non-profit consolidation companies out there that can help you. I suggest you google and do some research to find the company that fits your situation. Whatever you do try to stay away from consolidation loans.

Maybe Mobile will be by later to offer you more help. Hang tight ;)

I would suggest you shop around with several non- profit consumer credit counseling companies. They should be able to get you one payment you can live with but at much lower interest rates " like 6% to 10% ". Make sure the company your are considering has their 501(c) 3 Non profit business license. Typically if a company does not have this license, they are unable to receive the benefits for their clients. A copy of this license should be available upon request. I would also suggest they are members of American Association of Debt Management Organizations.

Also you can check the list of consolidation companies compiled by this site. They also have reviews of the companies which may help you in deciding better.

mobile311- Are you sure? I've checked with Consumer Credit Counseling, the only non-profit in my area, and they can't do much for us because we are not behind on payments or paying huge interest rates.