You need to see a debt consolidation professional and get a debt consolidation loan to help you get your monthly obligations under control specially when you have too much credit.
There are many different types of debt consolidation companies available to you, all you need to do is find the one you are most comfortable with and make an appointment.
If you have an accountant, then ask them to refer a debt assistance agency to you.
It may be that your account can help you secure a debt loan, and that works in your favor because of your familiarity with your accountant and the comfort level you have in telling them about your financial affairs.
But if they recommend a different debt expert, or you find your own options then you need to know that a debt organization is a professional group that are there to help you get your monthly budget under control.
Do some research on the internet and find some debt consolidation firms you feel confident in, and then call them to ask questions and find out which one you want to make a personal appointment with.
The process is very important to you, so be sure you take the time you need to find the organization you are comfortable with to help you get the debt loan that you need, that in this case is having too much credit.
Ask a debt expert all of the questions you have on your mind about consolidating your debt and the process that they would go through.
A debt counselor expects you to ask a lot of questions, so do not think you are offending them by trying to get more information.
They expect you to get as much information as you can about this very important personal decision.
Remember, that the core of this this debt management program is getting back the control of finance of those that cannot deal with their debt, in other words, those having too much credit.