I'm not advocating you file bankruptcy, but relatively consider your options far more diligently. Including other techniques you may boost your money to deal with the debt, without ruining your credit.

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I am unable to get anymore loans to test to pay for this debt down any more so I am style of caught at this time and am thinking about one of those debt relief designs like National Debt Relief or Accredited or Freedom.

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  I am informed that it could fall my rating significantly for a pair a long time but that's not a massive concern at this time.  Would this be the best option or is there another way to go?

I'm beginning to freak out about my credit cards and was questioning if employing a credit relief firm like Countrywide Debt Relief or soemthing on like fifty percent my playing cards.  I need to keep some playing cards but I experience I have too many.

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But there are several probable disadvantages to consider right before signing up for one of these solutions. For starters, debt settlement companies do not make payments to your creditors when you help save for your settlement. Which will most likely damage your credit score and effects the opportunity to borrow for a long time. 

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Fico: As I just reported earlier mentioned, I'm nicely aware about how I Came and it is one thing I've uncovered from.   

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You want to study the Snowball method.   TL;DR you make mininum or just-above payments throughout all but one of the cards (possibly your optimum-fascination, most affordable balance, or some other rational conditions) and attack that 1 card with everything else you have got remaining.  Once that card is compensated off you sockdrawer it and repeat the method with the next card.