to much debt!!!!!

Hi pvhcheer

Welcome!! Take professional help now before anything legal shapes up in the future. Creditors don't want to file court cases unless they have reached to the final point. As you are willing to pay your debts, they may desist any actions against you and accept payment proposals from your consolidation company. They want to get their money back and you are just trying to prove your willingness. They will understand. A counselor will be calling you for the free discussion. Tell him clearly about your situation. He will work out easy payment plans for you and contact your credit companies. Meanwhile, you can browse through this forum and read others how they are solving their ongoing debt problems. You may find the perfect debt solution in your case.