I dont know what to do, i have 3 credit cards and 1 personal loan, and a phone bill, totaling at $22576.00 i work 50 hours a week, pay as much as i possibly can towards it and im just not getting ahead, loan consolidation people dont want anything to do with me because im behind on all my payments, i have a mass stress level at the moment, and i dont even have anything to show for all the money, guess ive just wasted it. got a letter in the mail by debt collectors last week. i have nothing and no money! :(