I am 50 thousand in credit card debt

Have you register and signed up for a free consultation. Click on the right side of your screen a debt counselor will call you and talk to you about your options. Please come back and tell us how everything is going and welcome to the forum.
:lol:
ladybug

Welcome to the Community :D Alot of people have used debt consolidation companies, with great success.

As Ladybug said, if you register for the free counseling, someone from your are will call and discuss what option may be best for you. There is also debt settlement, where they offer settlements to the companies for a percentage of what you owe.

We also have a DO IT YOURSELF section at the top of your screen, under the Ranking Chart tab. Is this all one bill, or several smaller ones?

ICalled my cc companies, and they dropped the interest on the smaller ones so I could get them paid off sooner. Then, I took that payment, added it to the next smallest one and paid it off, and so on.

There are many ways to do this, and I hope you will find one that suits your needs. Feel free to ask questions, and to post!!..KAren

Just know that there is hope. You may feel hopeless now but you have come to the right place. What you learn on here will be invaluable.