I recently made a personal loan from the bank and just told them that it is for car repairs. Make a load to try and cover the sum of all your debt and pay it off. That way you’ll have a much smaller amout to pay on a montly bases, but you’ll pay for atleast 30 months and this could come to quite a large figure. About double the amount of the loan you made or more. I’d recommend get some professional advice.Education is always the best answer. The more you know, the better you’ll be. The trick is avoiding scams and sharks in debt consolidation/counseling/management. The FTC has resources for just this type of thing.

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre19.shtm

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre26.shtm

Make sure you’re talking with someone credible.How in the hell does someone get into $40,000 of credit card debt!? AND YOU ARE STILL USING CREDIT CARDS! Yes you REALLY need some debt management. I would NEVER date anyone that could be that irrisponsible. Good luckWith such amount of debt — $40,000 — your best option is debt settlement, mainly because you can get your debt reduced up to 75%, I have listed a resource with reputable and legitimate debt settlement companies.See http://www.esuperfind.com/lowermybills.phpp?id=hra0tt16koo9 the affiliated site is an Experian company BBB approved so very safe.
They might or they might not have you on. It depends on many factors and where you live.
Don’t go with anyone unless they are approved by the www.bbb.org/us and have a logo right on their site linking back to them.

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