Help

Hi and wlecome to the boards there are many threads in regards to T & C inclduing this one
http://www.debtconsolidationcare.com/settlement/about14755-1.html

Please keep posting as many will be glad to assist you here

Do I need to use T&C, should I try to make arrangements with the companies? Can I get them to stop calling me?

My take is that you should make the first move and call your credit companies for payment arrangements. In most cases, they can do the adjustments in your account, otherwise you can always consider professional help.

You won't need outside help if the arrangements are done directly with the creditors. Consolidation companies will be a choice if you are unable to arrange lower interest rates with the creditors. You will save a lot of money in interests if you compare it with the fees paid to the consultant.

Welcome to the Community :D Since you have registered, someone from your area will contact you for your free credit counseling. They will discuss your debt-income ratioo, as well as options you have, such as consolidation. Also, have a look at the Do it Yourself category located under "Our Services" Good Luck...Karen