Check into a NFCC member credit counseling service: http://www.nfcc.org/. These are legit, non-profit companies that offer debt management programs for a nominal fee. They negotiate lower interest and payments so that you can pay off your debt. When you complete the program,you will have decent credti.
UK there is a government debt consolidation that can freeze the interest on your payments, it is free to UK residents. Government IVA Advice.
GreenPath Debt Solutions is one of the largest and most trusted non-profit credit counseling agencies in the nation.