Many small debts to be paid off

IMO, you should avail the free counseling offered by this site. The counselor will call you up and explain your options in details. If you agree to enter into the program, you will be paying one monthly installment to all your debts. As the rate of interest will be reduced and financial charges will be waived, monthly installment comes down within your reach.

Please enter your contact information in the sign up form of this site to receive the free counseling.

Jennifer, what types of debts are you dealing with? Do you know who you owe? From your original post, it sounds like you may be unsure of what exactly your obligations are. In that case, you may want to start by obtaining a copy of your credit report. Through the FACT Act of 2003, you are entitled to 1 free copy of your credit report from each credit bureau per year. You can get this free copy at http://www.annualcreditreport.com

Thanks for pointing out to that fact dmj. You are great.

Yes if you unsure about who you owe and how much is the amount of your debts, you might start by pulling your credit report. See a similar thread here-

http://forums.debtcc.com/forums/howtostart.html

Stanley and dmj have given you terric advise. Get with the couselors when you have your report and they will surely help you. :D