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About 20,000 in debt, this is where credit cards credit margins.
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Be careful with debt consolidation or negotiation companies.
They take your money, and do nothing for you, and you can end up in court anyway.
Their thinking is that by not paying your bills, the cc companies will get scared and settle.
In the meantime you are racking up interest and late fees.
Go to bankrate.com
see if you can apply for a card with low balance transfers and low apr
try your local consumer credit councelling service – free of charge
try your local bookstore – get credit repair for dummies.
Tells you how to negotiate with the cc companies yourself.
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go here http://creditcardintent.com/ and apply for what ever card is best for you. they have cards you cant even imagine, this would really help you