i have much debt

Get the book The Total Money Makeover by Dave Ramesy. Then read is asap! Start applying what he teaches in the book. In the mean time, sell everything you can to make money and put towards your debt. And quite spending money on unneccessary items. You have to start somewhere and if you have a lot of debt it will take you a while. Better now than later. www.daveramsey.com

Debt consolidation counselor!!!