If you try to do it yourself, not knowing the ropes, it is not likely that you will get very far. I have also heard from many peopel AFTER trying to work with a debt consolidation company, who have told me they wished they consulted an attorney much sooner, as all they did was to waste their time and money.
The National Association of Consumer Advocates (NACA) is a non-profit consumer advocacy organization. NACA maintains a web site at www.naca.net where it lists geographically consumer law attorneys all over the US. If you don't already have an attorney, please look there for someone in your area who specializes in debt collection defense to review the details with you and advise you.Ask a similar question
dont try to deal with the credit card companies yourself - they will never listen. Either contact a bankruptcy attorney (they tend to listen to these guys since there is the threat they lose the entire account) or consumer credit counselor.Ask a similar question