Hello there,
My illness has caused me to accumulate over $20,000 in debt. I am seeking some professional help. I am unable how to handle money at this point of time. Please suggest some tips to get out of this financial mess? Please, could you let me know about any consolidation options I may have at this point?
thanx for any help in offer!

Cut up all your credit cards & return the cut-up card to the issuer with a letter telling them you are canceling your account. Ask your bank to issue you a debit card with a MasterCard or Visa logo. Talk with a non-attorney debt relief agency. They can often negotiate payments to the creditors that you can afford.