Racked up to many bills

You can take the free consultation quote by one of the trained counselors here. Get all your latest statements and accounts details you want to include in the plan. He will analyze how much you can afford to pay each month and prepare a monthly budgeting. He will stay in front and do all negotiations with the collections dept.

Hi finest_18_eclipse and welcome to the boards, if you sign up with them here a counselor will call you and talk with you offering support and ideas about how to get through your financial problems. Also if you keep posting many will offer great advice and ideas in the threads also. Good luck