How do I go about eliminating my credit card debt?

I am twenty-three with the nine-month-old son, as well as we owe (on tip of my tyro loans from college) we estimate ,000 in assign label debt. we am seeking to do the debt management/consolidation program, though was wondering if we should only impact those assign label companies that contend to call them if we have "financial difficulties" instead? Also, that debt converging programs would we refer, if any? Thank you!

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