Can anyone refer me to a good debt consolidation center?

I have all sorts of debt. 3 closed checking accounts and one closed savings account, a closed credit card account, and four bounced checks. Does anyone know of a solid debt consolidation firm that can help me? Most won’t handle overdrawn bank accounts, and I can’t find one for the life of me. The total debt is somewhere around $ 7,000. The sad thing is that I am a college student who got in trouble with gambling, and now I’m trying to come clean. Please advise! Thanks in advance!

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