There are non profit credit counseling agencies normally in most countries throughout the country. They will negotiate with your creditors to see if they will lower your interest rate, however, not the balance owed. You will make one payment to them each month and they remit to each of your creditors. As you pay off creditors with lower balances they will put that extra money to pay off the next lowest balance and so on until it is paid in full. They will tell you up front when your debt will be paid in full. You have to agree not to add any additional debt during the repayment period. Most creditors are willing to work with these agencies because they know they will be paid. This does not hurt your credit score and is much better than filing bankruptcy.