Where do I get help for credit problems?

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      I am only 23 years old and currently have 2 car payments totaling about 35K in debt.

      should I consolidate or is that a bad thing?

      I want out of debt. Please help me?

      Who do I talk to and whats the best method to help get out of this problem?

      I work full time as a landscaper and do make decent money but after winter months i will have money to pay off bills.. but where do i begin?

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