Help with debt

Rather than contacting anyone else, I will suggest you to deal with your creditors yourself. You can apply for debt settlement with your creditors and try to get rid of the dues. Debt settlement can be done on your own which will help you in reducing your outstanding debts by 40% - 60%. Check out the steps to settle your debts on your own from the given page: http://www.debtconsolidationcare.com/steps.html

If you feel that you won't be able to settle your dues on your own, then you can take the help of a debt relief company in order settle or consolidate your debts.

Good for you for realizing so young that you do need help. If you use this forum, you can get any unsecured settled yourself and learn a lot.

Your first priority is feeding yourself and keeping a roof over your head. If you have credit cards, those would be a last priority.

If you have questions, use this forum! It has invaluable information!

Hi!
Welcome to the forums!
I am glad to know that you are taking your finances seriously at this young age. You are very young and need to build credit from now onwards. Apart from debt settlement, you can take advantage of debt consolidation also. Debt consolidation helps to consolidate all your outstanding loans into a single monthly payment. Once you get enrolled into the program, the debt consolidation company will contact your creditors and convince them to reduce the overall amount. If it is agreeable to you and your creditor, then you'll have to make one monthly payment to the consolidation company. They will distribute your money amongst your creditors after deducting their fees.