help!! I dont want to ruin my credit

Welcome to the Community lacies :D You are not alone! Many of us have been, or are in your position. Since you have registered. you are entitled to a free credit consultaton. They will discuss various optiosn with you, including consolidation. If you can give us a little more info on what type of debt you have, such as credit cards pay day loans, we can help. There is hope, don't give up!..KAren

Your credit ratings will look good once all the bills are shown as 'paid' in your credit report. Since you are having problems in paying the debts, look for some professional debt help. A debt consolidation program will be a suitable choice in catching up with your repayments. All the bills will be combined under one plan and the interest rates will be dropped down. A debt counselor will be able to set up an affordable payment plan for you.