I owe 65,000 in credit card bills

ralphkramden56, put your debts under the consolidation plan. The repayments will be sized according to what you can afford presently. Later, when you have enough money, you can change the plan with your consultant. Slowly with your payments towards the accounts, your credit will turn good.

Have you considered a debt settlement20 plan also? You have a huge amount of debt and in your situation, it will take longer if you go with the consolidation plan. A debt settlement program will offer 40 to 60 percent discount on the total debt. Take advice of a debt counselor and know about your available options.

I tried Doing the debt settlement plan with Achieve Financial and after four months that company took $1600 from my checking account. The total debts I had with them was 30K. After four months those creditors hired lawyers and now I dont know what to do.