Dealing with about $1,200 in debt payments monthly, who do we talk to consolidate and reduce how much we pay?

Dealing with about $1,200 in debt payments monthly, who do we talk to consolidate and reduce how much we pay? I'm not even sure where to begin but the end is that my wife and I are coming up about $200-300 short on our income. I work two jobs, one brings home about $4,200/month and the other around $1,400/month. We have about $1,200/month in debt payments between (5) credit cards and (1) personal loan that we took out last summer in our original bid to ...

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