how can i get this funds back whitout hiring a lawyer they holding funds i have no charged backs, need answer?

Or does it have to be mine?

i have\ about $25,000 or more of credit card debts and i really want to pay it all but just can’t so soon as am a single working mother with two kids… my credit rating is the lowest and all my cards have gone to collection agencies and attorneys have been calling and i can’t answer i can’t pay so much at one credit card alone and i want to have one low payment…i m scared cuz i heard you could go to jail and i m worried what would happen to my two little babies? i could go on and on about how crazily worried and sick i m from thinking about this every nite… but how do i go about the process and how long does it take please give me through information since i don’t have much time to go here and there and research on my own i don’t have much time and who ever gives me the complete information on how, how long, exactly how the process works will get the best answer! plz i really need help here thnx a lot for your responses. i no itz late but i want to work this out!
just before answering my question, please read it throughly. my situation is THE WORST RITE NOW….i havent paid my bills in ages, and they have gone to collection agencies…i want to work this out with them i want to know a solution!!!! consolidate…who where when how? non-profit….etc!
WHAT HAPPENS AFTER THE CRD CARD HAS BEEN GONE TO COLLECTION AGENCIES??? HOW CAN I WORK THAT OUT?

I want to open one but don’t know which credit card processing service to use. I am confused on how this whole thing works.

I think I will use googlecheckout and allow paypal but do i need another service?

I am building a website that requires credit card payment processing via a european payment processor (like 365Bill, WTSCK etc in the States). I can’t find any. Can you direct me to some of them?

Web Developemnt:

I want to process a credit card (authorize.net/linkpoint/ first Data/ or any gateway ) payment transaction for my client. I need to get credit card to be process more than 4000 at a single click.It Should be done with the help of any payment gatweay api mentioned above.
Thanks.
- Tejas Suthar

When I make a purchase with my debit card and go home to check my bank account , the purchase is already in the system. But when I use my credit card it takes at least a couple days. If there are any credit card companies that process as fast as using a debit card, please let me know, Thanks