anyone tried settling or consolidating their credit card debt? Please share your experience I need help :(?

Hello everyone , I have about 10,000 dollars in credit card debt and unfortunately I am no longer able to even pay the minimum due.. What are my options? I know it’s probably impossible to restore my credibility with the banks. I already missed a couple payments… Should I go for debt settlement (debt consolidation [...] http://bit.ly/jHRUvo