The story

April - since you have registered with the site, a credit counselor will be contacting you shortly to discuss a plan of action on your debts and to offer you some help.

Welcome to the forums, keep posting and keep us updated on your progress.

Best wishes!

I am sorry but you need to have some money to get started with a debt management program. (Please don't take it personally. This is just a general insight.)

If this sounds tough, you may exercise the bankruptcy option. But before you do this, I will suggest for once that you go through some credit counseling. Even the new bankruptcy laws have also made the credit counseling compulsory. You will have to qualify in the means test before your debts are discharged in bankruptcy.

Talk to a debt counselor about your situation. He will figure out any appropriate plan or direct you towards bankruptcy. You cannot have all the debts hanging over all the time. Creditors may also take legal actions because of your defaults. If bankruptcy is the only option for you, take it positively. I pray that the counselor works out something better for you.