Before filing bankruptsy

I have no experience with Credit Solutions. Maybe, you should read the link below. Someone there is not having a good experience with CS.

http://www.debtconsolidationcare.com/settlement/about13115.html

Did you check for their feedbacks with your local AG and the BBB? You will be more precise whether to work with them or not. You should take one more quote from some other settlement company and compare.

Mute gives great advice. Check them out with bbb,ag,and any other local consumer protection groups. I would also go to these two websites after you have completed your search here. (www.planetfeedback.com) & (www.ripoffreport.com). These are two websites that allow consumers to post their negative or positive experience with companies. Do a search.

I totally agree it never hurts to be as informed as you can. I learned that from the payday loan experience. I never even knew they were illegal in my state. KYSIDE38

Please give me more info. on their location and I'll look them up.

Have you tried to make arrangements to pay your bills off with the companies themselves? Have you considered other debt consolidation companies? Have you researched to how much bankruptcy can affect your credit and your ability to make purchases, obtain loans and credit cards?

I am asking these questions because I would consider bankruptcy only as a last option when you have no other alternatives. I had to file a few years ago (story on my blog) and it has not been pleasant. I am just getting my credit back in order.

They are located in Addison, Texas. I'm wondering at this time if a debt management program would be better for me?
Not a debt settlement program, such as Credit Solutions. Thank you!