not paying the full amt., does it reflect on my crdt report?

Paying less than the actual amount is going to look bad in your credit copy, if it's reported by the creditor to the bureau. You can negotiate with them for a fair reporting even though if you have not paying in full on the balance.

However, if you are getting the bank's loan offers, make sure that you are aware of the rates of interests. Give a second thought on such offers because they will be charging interests on the loan and you will be multiplying your overall debt.

Better option is to enroll in some debt management program. This is not any kind of loan What the counselors do is find out how much your take home salary is, how much you need to live on (rent, food, etc) and then figure out how much you can afford to pay each month. Then they contact your creditors and explain to them that you are working with a debt consolidation program and set up payment plans using the amount that you can afford to send to them. Some creditors will suspend late payment fees and interest while you are working with a debt consolidation company so your payment goes straight toward the debt you already owe. Each month they should send you a statement that shows where your money has gone, and how close you are to paying off each of your bills. This is a viable solution for many people, especially when you are overrun by debt.