debt is causing bad credit

Since you have signed up with this site a counselor will be calling you to discuss your options. I had several credit cards and they were willing to work with me and my debt management program as long as I stuck to the payment plan. Getting involved with a Debt Management program also stopped a lot of the overlimit and late fees I was getting. A few of my credit cards even dropped my interest rate.

Take the free quote from the consultant and discuss your accounts with him. He will frame your payment plans. If the creditors have not sold off the debt accounts to the CA, the counselor can arrange payments directly with the credit company so that you don't have to deal with the CA. After receiving regular payments towards your debt accounts, the creditor will pull the file back from the CAs and as a result, all collection calls will stop. A counselor will be calling you soon to discuss everything in details.