I AM IN DEBT! NEED ADVICE! I don't want to hurt my credit but I don't think I can get out of it w/o settling.?

by eyewash
Question by caroline: I AM IN DEBT! NEED ADVICE! I don't want to hurt my credit but I don't think I can get out of it w/o settling.?
I am about 10,000 in debt spread out among four cards. The highest is 4,000, the second is 2,500 with 2,000 on each of the remaining two. It started because of a DUI I received and having to pay for a lawyer, fees, insurance, etc ... and basically got to a point that was just beyond unmanageable. There are a lot of little factors that went into,

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