去財務公司做債務重組??or銀行?or律師行?

你的情況應該都比較適合申請債務重組, 因你的人工與欠債比例達十五倍以上, 如果是新工的話, 最好有合約, 成功申請機會比較大。
申請債務重組應該找會計師樓, 因為閣下的還款建議書是由會計師為你的代名人草擬, 所以他們最能明白你的欠債情況, 與你的債權人開會, 商討一個新的還款方案。

The first choice should be Bank, then Law Firm and the last one is financial firm. Always work with your bank first especially you have your salary payroll at the same bank. Before you contacted the bank, please prepare how much you can pay back per month then the banker should get you their proposal for your application. Make sure you should tell them all truth such as how many credit card you have and how many personal loan you owned. You also need to consider may be you should only keep one card from now on.