getting out of debt is pretty easy with a debt consolidation plan
however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start in my humble opinion is:

a couple of years ago I took an debt consolidation plan, however I made some errors, luckily for you they are all tackled in this article.

good luck

you dont really have to worry about your credit unless you are buying a house or car.