...Anyone out there? So I'll paint a quick picture of the scenario I'm in right now. At 18 I got out of hand with credit cards (never really had anyone there for me to say "You're an idiot"). At about 19.5 I lost the job I was working while attending school that was allowing me to pay these credit cards (3 of them) and eventually, somehow someway, actually stopped payments altogether (yes, i know how stupid I am). Long story short, I'm in trouble. I'm 21 and know that I need to start establishing/rebuilding my credit. But I don't even know of a way to assess all my debt. I'll get a letter every now and then about how I owe (x amount)...total I'm about $9,000 in the hole. So basically, can anyone offer some sort of advice (kindly worded please...I'm in school I get lectured enough :c)) as to where to START fixing my debt/credit problems. If it were up to me I'd get a single loan and repay the debt off with that thus having one source of debt to worry about. W/ no credit that's not really an option.. THANKS!