$75k debt please help
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What kinds of debts do you have? Do you have unsecured debts or secured debts? Do you have any savings? Consolidation can help to lower the interest rates on your credit cards. Going by the credit score you have, I doubt if you will qualify for a debt consolidation loan. In that respect, I feel you should go for debt consolidation program.
In your situation, it is better to seek professional help. It'll be a little difficult to handle your debts on your own. Settlement might work for you better. So, have a talk with a debt relief organization and work out a solution whether consolidation or settlement will work out for you.
You can contact here and get a call from reliable debt relief agencies.
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$75k debt!!! Wow...you are in a big trouble man.
What kind of debts you have in your pocket, could you please tell us more..I guess you might have payday loans or credit card debts, as with 550-575 credit score you won't be eligible for a big amount of personal loan.