I got pregnant and had to give up my job for the time being. I failed to qualify for any kind of state assistance or unemployment, and consequently, my credit card bills started mounting. Now, I am working from home and want to clear the outstanding dues. However, with the limited income I can only cough up a little each month. I don’t want to go for settlement as it dings the credit score. Would consolidation help? Also…. Can I do it on my own? I really can’t afford all the extra charges or fees for agency help.