already said in the post wad... whats makes u tink im embarassed? dont tink so much...
You can read this article on how to eliminate debt : http://advanceddigitalebooks.com/self-improvement/debtconsolidation
These are also video for solving debt problems :
1) Vital Strategies to Eliminate Debt : http://youtu.be/j2QJwY6I7jM
2) Fight Debt and Win : http://youtu.be/ROQR5jfOXNc
Finally you can always seek help in local debt consultancy service company : http://www.transviewdebt.com