Go to
www.budhibbs.com - It's the best and most accurate information if you bills are already delinquent. If you're still in good standing, it would depend on the kind of debt. For credit cards negotiate a lower APR with the company. You'll be surprised how often they'll do that, just ask. Start with the highest interest rate card and pay it off 2-3 times the minimum or more if possible. If you receive taxes back use all of it to pay off or down your cards, especially high interest rate cards.It's not a good idea to use one of those debt consolidation places they often hurt your credit. You can always get a personal loan from your bank and pay them all off and just have the one payment to the bank.