Need help fast !!!!!!!!!!!!

ntryderat -

Welcome to the site!

Since you have registered, a consultant will be calling you within the next couple of days to discuss your situation. It's a good idea to have all your bills together, and to pull your current credit reports at annualcreditreport.com to have a full picture of your finances when they call.

If you feel you can't wait until the consultant calls, check the Ranking Chart on the left side of this page. It contains a list of credit counseling agencies in order by state. You should be able to find an agency in the list for your state to help you immediately.

Consolidate all the debts under one repayment. Since you are already four months behind in your payments, the interest rates will be very high. Through this program, your interest rates will go down and most late payment fees will be waived off. Discuss with a debt counselor for your options. He has to go through your file before any repayment plans are offered to you.