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.

[GriffGirl]

If you're eligible to get a personal loan through your bank in order to consolidate your bills, then yes, I'd do it if I were you. That would reduce your monthly payments and afford you to make over the minimum payment. I don't think it's likely that you will get a personal loan though; you have to have good credit to get a personal bank loan.

If you're looking into one of those consolidation loans from crap you see on TV, my answer would be no, don't do it. That WILL mess up your credit more, because those places will basically negotiate a charge-off on your behalf for your debts, so you can pay a lesser amount back. And yes, those places are basically only out for your money.

All the stuff I said about bankruptcy was stated to be informational as a course of last resort.