I'm in debt.., What should I do? Options

[Jen]

I am about $8k in debt. My credit score is a 600 , and my income is so crappy.. that I don't even want to post it.

I was in more debt, but I have paid a lot of it off.

Should I get a consolidated loan, and put all of my bills into one?

I asked someone, and they said they could only give me a credit line of $2200, or something.

I'm just so confused.. and I just want to not worry about making 5 payments a month.

Does anyone have experience in this kind of thing, and could help me out?

I'm going to go to the bank sometime this week and see what I can do, but I'd like a little advice beforehand.

I am STRESSED to the MAX.

[lagos]

btw, you mention medical bills.
Did you ever try to negotiate with them to settle on a payment?

I had an 800$ bill from one consultation visit at a specialist (insane, i know). I kept calling them over a few months because my insurance wouldnt cover it, and I wasn't about to get robbed by them. Finally they sent me a letter saying that they are about to send me to collections if i dont pay the bill in full. I called them back and offered them 300 bucks. They accepted and the bill is settled without going to collections. I found that pretty much all medical billing is open to negotiation, since that's pretty much what insurance companies do with them on a regular basis.

However this only works with bills you have not yet made payment on. Once you send them any money at all, then you are legally bound to pay off that set amount.