I'm 22, and fell into debt when I was around 20, this has cause my credit to jeopardized. I had a fico score of 740 with a credit limit of up to 22k from Amex and several other cards.

So I defaulted big time and had 99% of my credit card was charged off.
Total debt is like 13k on about 10 different accounts and all of them are charged off now.

I have 1 credit card which I am paying right now. My current experian credit score is 592.

I am tryign to find a way to pay off all my C/O.

I want to get a personal loan, I have a job and have pay stubs showing I net around 2,200 a month.

Is there anyway I can do this ? I am looking for about $15,000 or $20,000 and repayment in 24 months.

Please let me know what you guys think.