I don't even know where to begin. I am about 33,000 dollars in credit card debt. Payments for consolidation are about 300 dollars a month out of reach (400 if gas keeps going up..). Tried a debt settlement company. All they did was keep taking their fees. Calls from creditors never stopped, and they quit returning my phone calls. Due to an accident, and a huge insurance rate hike, it doesn't really matter, because I can't put money to pay creditors in the account anyway, so I severed ties with them.