How do I pay off my credit cards and loans if the credit company or the the credit cousenling won't help?

Question by chickiechick: How do I pay off my credit cards and loans if the credit company or the the credit cousenling won't help?
I have a debt of close to twenty thousand dollars. This is one credit card and one loan. I owe close to 700 dollars a month for both of these (combined). I cannot pay it and live. They are both through the same bank, but the bank will not help me. They gave me a number to a credit counseling service but it won't help me either. I don't know what to do. I

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