NEED URGENT HELPO OVERINDEBTED AND FNB WONT HELP

I AM IN R193 000 worth of debt .<br> <br> We are not people who usually have accounts and this has accumulated over a year .<br> <br> <br> <br> <br> I started working at Unilever and was offered a reasonable salary and along with that I was offered a platinum card , credit cards , loans etc with FNB .<br> <br> Life is so hard and we were sucked into a world we never knew was possible , When we realised the debt is too much for us to handle we went to FNB to ask them to consolidate the credit card - R37000 , Revolving credit , R38000 and the loan of R60 000 , They advised us this was not possible unless our names were on credit bureau as bad debt . <br> <br> We are now not able to meet all the payments which accumulate to over R7000 per month and now they called us to request payment , I then asked them to consolidate this and they advised that they can only do this when the payments are up to date .<br> <br> We are really stressed and thought about going into debt counselling because we would like to buy a home, But we afraid that this won't help us . We do not want our names blacklisted .<br> <br> FNB GIVES ALL THIS CREDIT AND EXPECTS PAYMENT BUT WONT CONSOLIDATE