Resources?

Have you considered a debt management Plan ? It will get you one payment with lower aprs like a consolidation loan except you don`t have to put up any collateral. Most financial advisers will agree with me that turning unsecured debt into secured debt is a bad idea.

Yes, debt consolidation loan might be a solution, but in your case it seems debt settlement is a better option. But let me tell you that debt settlement is used in severe debt conditions especially to avoid bankruptcy. Debt settlement can reduce your debt burden by 50% or more. But the downside of settlement is that, it can affect your credit score tremendously and consequently hamper your future credit accessibility.

debt management Plan, as Mobile advised, can also be a good solution for you to get out of debt.

But I think you are the best judge of your own financial condition. So, before selecting a debt relief program, please go through the different debt solutions.