hi i have a problem with my debt, i just realised

Check out the following page to know about how to settle debts on your own:
http://www.debtconsolidationcare.com/steps.html

You can settle your debt by yourself. Following are the steps of debt settlement:
1. Firstly, contact your creditors and explain your financial situation to them. Make a reasonable settlement offer to them.
2. Inform them that you are sending this offer to all your creditors and the ones who accept the offer first will be paid first.
3. After receiving the acceptance letters, send them the agreed amount which you have promised to pay.
4. Request them to give you a receipt stating that the debt has been paid in full.
5. Repeat this procedure each month until you will become debt-free.
6. Check your credit report after doing each settlement to find out whether the account status has been updated