<prompt> Human: Hi GuysI have street smarts and I am an extremely perceptive person but when it comes to being a consumer or personal finance... I have an IQ of 0. I am 22,000 in debt to various credit card companies and my monthly payments are burying me every month to stay afloat. Does anyone know of a REPUTABLE debt consolidation company to use or have any other ideas to help me? Please let me know and I really appreciate it. Any avenues i should pursue let me know. Thanks!!!No solicitors please. Just the good people of Reddit  <response>: Does anyone know of a REPUTABLE debt consolidation company to use or have any other ideas to help me?Debt consolidation isnt the solution. Cutting lifestyle to reduce expenses and getting a second job to increase income is the solution. 