How do settle credit card debt?

Okay I just went through this myself.. I have $32,000 in cc debt and had to consolidate bc I just couldn't afford the payments anymore. Now my payments are cut in half and my debt will be paid off in 3 years. I know my credit is taking a hit but I had no other choice- This was my last resort. The good part is that I don't have to talk to creditors anymore (which was seriously stressing me out). Good luck and hope figure out what's best for your situation. This is where I went to consolidate my debt http://bit.ly/9SxsA3 Good luck. :)