stupid ass me I have acculumated(sp?) an outrageous amount of debt... I have 1 Credit Card at $12,700 (estimate) another at $5,000+ and another at $2,000+ (all estimates) I also have a student loan at about $9,000+ (estimate) SO total I am in debt for about $28,700(estimated amount, prolly a little higher) I took the first step in overcoming this and I told my family and they justly enough they were pissed, shocked, mad, and sad that I let it get this far out of control. I've been very nervous and mad. But once I told them it felt like a weight was lifted off my shoulders. I realize my mistake and all I wanna do is make it better now but my family was very dissappointed with me. A while ago, I joined up with some company called Debt One and they were going to try to get the the CC's to settle but sometimes its almost impossible to reach them and they are in Cali and I'm in Virginia and the time difference is a bitch, so they have become really annoying, I'm thinking about dumping them because its an extra $110 and they aren't really helping me....But one of them may be willing to settle. I don't know yet. The higher one is with a CC that is apparently a really hard ass one and I don't think they want to settle. They said they will not neogiate with 3rd party companies. If the one CC does settle then My family is willing to help me. I would have to borrow from which is something I've never done. But I would have to pay it back to them and I may end up having to get a 2nd job OR a better full time job. I don't know about the higher CC and what will happen with them. What options do I have here? Debt Consolidate?? Could I possibly do this? The company that was helping me said the one CC may be willing to settle with me for half of the amount of what I owe and the other half the CC would write it off. ??? Has anyone heard of that?? I've heard that sometimes they sell it off to a 3rd company like a collection agency and then they come after you for that amount. I also have another loan with the federal govt for about $5,000 that I haven't told anyone. They take about $50 out of my savings every month for it. I feel if I could get rid of the other ones eventually then maybe on my own I can get rid of this one. I think my family will be even more pissed if I told them about this...I dunno what to do. I don't want to drop them with another one but this one is at the back of my head.