I have very poor credit. I am trying very hard to pay off. Is there a easier way??

I have about $7K in Credit Card Debt. 14 different minimum payments a month. Is there a easier way to pay off my debts rather than paying 14 different payments a month, filing bankruptcy or going through a debt management program?? Someone please help me. My debt is starting to affect my 4 year relationship with my boyfriend. I'm finding it very hard to get financed for a car, and Im nervous I'll never be able to move out on my own. Im only 20 YRS old and have so much debt. Should I settle with my debt collecters??

Debt consolidation is also provided by credit-counseling firms. These firms will total up all your monthly debts and let you make one payment to them. With this amount, the firm will pay the lenders till the entire debt is cleared off. But exercise caution while selecting a credit-counseling firm, since some firms do not offer free services. People who have utilized debt counseling will assist you in choosing the right firm. The other option is to go for a debt consolidation loan that has quite a low interest rate.

a debt management company actually sounds like your best bet. At least go talk to them

Been there, done that! You can too! I don't advise debt consolidation or management, it can take longer to raise your credit rating. This is what I did. Take the credit card with the lowest balance and pay it off while making minimum payments on the rest of them. It might take you three or four months to do that, but make the payment as high as you possibly can! Once that one is paid off, do the next lowest and add to that minimum payment the payment you paid on the previous payoff. Then do the next lowest, adding both previous payments to that monthly payment and get it smacked out fast too. Continue doing this until they are all gone. Having 14 credit cards with a $7000 debt is a little out of control, but you learned that since you are asking for help. Depending on your income, it may take a year or two to get them all paid off. Use this time as a building for your reward for clearing the debt, when they are all paid off, take that money you were spending every month and put away for a fabulous cruise or vacation! You will be the envy of all your friends!