Debt Consolidation my credit cards for one monthly payment

I would recommend that you find a good debt consolidation company that reputable. I would also recommend that you talk to each of your credit card companies and let them know of your situation to see what can be done to help your credit. They may close your account for a while until you get your account back into good standing.

My biggest recommendation: cut up your credit cards and pay them off. Don't use for any reason at all if you can. The best way to get rid of the debt is not to use them at all. You will not get rid of the debt if you want to keep using them.