<prompt> Human: So earlier this year I was laid off. It took 9 months before getting an offer that ended up being a higher position and pay 140k, which I accepted. During those 9 months I racked up nearly 30k in debt and have missed most payments over the past 3 months since my rainy day fund nearly ran dry. Now Im prepared to begin paying down off the debt but am wondering what the pros and cons of consolidating debt are. My credit naturally took a massive hit so Im not even sure if its possible. Ive never been in this situation before so looking for any and all advice about this whole thing. I saw ads for Lending Tree and National Debt Relief. What are is rpersonalfinance thoughts about those two companies and how best to go about solving this situation? I really would prefer to only keep one credit card as it has fantastic travel rewards. Generally I would use the card for travel purposes then just pay it off but, obviously, that got all kinds of jacked up in 2017.  <response>: If you make 140k a year 30k in debt is nothing. Thats a speed bump, imo. 