Q&A: Debt consolidation vs. debt relief vs. debt negotiations, it all very confusing, what is the best way to go?

Question by sconnieboy: Debt consolidation vs. debt relief vs. debt negotiations, it all very confusing, what is the best way to go?
I have just over $ 15,000 in credit card debt, I have not been late on a payment yet but the problem is I can only afford the minimums and it is killing me and will take forever to pay off these debts at this rate. Now, my salary is being cut due to the financial crisis gripping our country and I wont even be able to make the minimums much longer. I am not

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