My husband lost his job in Oct 2008 and was on unemployment until Jan 2009. During that time it was do we buy groceries or pay or credit card bill? Guess which we paid? I was always able to keep our other smaller charge cards up to date except these two. My husband has since gone back to school full time and I got a good government job in Feb 2009. Unfortunately it was only on a part time basis until just recently. I now make a steady pay check and I am able to pay our bills. I am hoping to crawl out of this hole we are in, But I just don't know how to do it. What I WANT is to somehow roll both of these credit cards into some kind of consolidation loan so that the companies will stop calling me and I can pay like 2 to 3 hundred dollars a month. I feel like the money I give them it just keeping the "wolves at bay" so they wont put a charge against my credit. I also don't have enough money to settle with them. I also don't want that on my credit for 7 years. A debt consolidation company that I contacted by phone didn't even have a rep available to talk to me. The woman took my name and number and had someone call me back. But of course I was busy at the time of their call and missed it. They also said that I needed more then $10,000 in debt to be eligible. I could have that amount if I added in my other charge cards that are not currently in collections. I guess what I am looking for is some advise on a good debt consolidation company. Or a miracle.