Hello, and thank you for this community. I have found much help with my payday loans through the guidance of your moderators. I have a question to ask about my credit cards. I have 6 or 7 I think, and they are all about one month past due. I could no longer keep up with the payments. I also have an installment loan with think cash for 750.00. The total of the cc's is around 3500-4000. Can anyone advise me on the way to go. Should I sign up for debt counseling and find a good counseling company?