Hi, My daughter got into some credit card debt and went to a debt management company. You can do this over the phone. You make one payment to them and they take care of the credit card companys. The companys can only then charge you a small amount of intrest, the debt management fought to get rid of penalties already charged, It brought the debt down right at the start. You have to be careful you select a good company though. One card company kept calling her after she had done this and she called her debt management service and they got after them immediately! No more calls. You are not allowed to use your credit cards or apply for new ones until your debt is paid off. I imagine you would have to rebuilt your credit after that.