I am paying off 5 credit cards in a total of about 6,200.00.

OK... Welcome!

Are these credit cards in collections or active open accounts? Are you looking for a debt management program?

Hello ctendrich and welcome to the forums!

Your best bet is to get some help. Call the phone number on the right side of your screen. They will ask you some questions and create a list of your creditors, aprs etc. You will know exactly how much you are in debt. Then they will offer you their program, and they will calculate how much it will save you. Looking at your debt I would say that for about $200 per month you will be debt-free in 3 years (assuming that these are active credit card accounts that are not over the limit and your apr's are around the 28% mark).

Good luck!