I own taxes, a low credit card

Wayne, you should discuss the situation with a counselor in your area for possible remedy. Your bills will be combined together into a single payment and a lower pay off will be set for you. The payments will be made affordable so that you can pay off your bills with ease. Consolidation program will help you saving some money in your pocket so that you can fulfill other necessities.

After enrolling in the program, the regular phone calls from the creditors, collections agencies will reduce over a period of time. The interest rates and taxes will reduce and your credit will get a better control. The benefits of this program are discussed in the link below:

http://www.debtconsolidationcare.com/benefits.html