Im in debt need some advise?

If you have been paying your bills on time for the past 12 months then a phone call to each company with you "begging" for them to lower the payments should work. If you haven't been paying on time then they will likely deny your request. Some may suggest threatening to close your account. You can call and tell them that you would like to continue being a customer with their bank but have gotten better offers and lower rates, and then ask if they can do anything for you. You can consolidate all the accounts into one, by calling a credit consolidation services, some people say this hurts your credit, but it has helped me and i even got a car after that, so it must not hurt THAT much. Below is a website that can give you more information. But you can also do a search on "credit debt help". Hope this helps,