Debt consolidation vs. debt relief vs. debt negotiations, it all very confusing, what is the best way to go?

I hit usually over ,000 in credit adjudge debt, we hit not been New upon a remuneration nonetheless though a complaint is we crapper usually means a minimums as substantially as it is murdering me as substantially as will take perpetually to compensate soured these debts during this rate. Now, my income is being cut due to a monetary predicament retaining a commonwealth as substantially as we wouldnt even be means to hit a minimums most longer. we am not certain just what stairs we should take to forestall this from spiraling serve out of carry out as substantially as in to bankruptcy.