Credit help is needed

Welcome to the forum! Many people here have been in your shoes. If you have not already done so, fill out this form https://www.debtconsolidationcare.com/free-consultation
A debt counselor will contact you for a free consultation to discuss your debt and your options. Congratulations to you for taking this first step in looking for help.

Unfortunately there is no magic pill that will make debt go away without messing with your credit scores. Without knowing the particulars of your situation it is difficult to give a solid direction in which you should be heading. It would be very helpful to you I think if you discussed your finances with a debt counselor. As Sass said this site is set up for debt consultation. Another option is a local church. If you do not attend a church currently pick out a big one. They typically have many services other than just religious and one of them is counseling for finances. Make sure you get a few opinions on what you should do and you thoroughly research any companies that want money to help you. There are many predator lenders out there that will take advantage of you if you let them. If you specifically want anonymous help on the forums then you will have to list out the type of debt you have and the amount of each one. For example, you will get a completely different answer between being in debt 5,000 or 100,000. You will also get a different answer depending on if the debt is PDLs, credit cards, tax debt, student loans or secured debt.