How does this effect my credit.

Grace take advice from the counselor that will be calling you its free and they deal with debt issues dailey. Hope they can come up with a plan thats right for you. Best Wishes KYSIDE38

Welcome to the forums!

Kyside is right, the counselor that calls you soon will be able to help you. They can set up a plan that can get those cc payments under control and keep your credit rating high.

With mine it did not affect me much but I did no have zero intrest either how far behind are you? MONEY debt management did mine and they are doing a good job so far. It stopped late fees and stuff and I am now paying towards the principal.

Listen to the advice these people give it has made a difference in my life and I am sure many others.

The main advantage of taking the program at this stage will be lower interest rates from what you are paying at present. You will have a reduced payment plan. If you are expecting to miss the payments in the future, this program will be the right choice at this moment. The creditors always rate you at the highest if you can manage payments on your own. But if it's a problem doing it, consolidation is much better than leaving your accounts in delinquent state and then catching it up later, probably through this program only.