Help!

You really havent given us enough information to go by.

Have you consulted with a bankruptcy attorney?

Hi mikedobson,

It would have been much easier for us to provide you with right help if you could have given more detailed information on your income and your debts. You have mentioned that you are way behind on your debt payments, but you have not mentioned when was the last payments made on the accounts. Please let us know the state you are in as debt collection laws vary according to the states.

If you think that you can manage to make credit card payments after settlement or debt consolidation, you can opt for that. Debt settlement lowers the outstanding debt amount and debt consolidation lowers the interest rate on your debt.

Other than this, as for the secured loans ??? mortgage and car loan, if you have average or good credit score, you can try to get refinance loans or else you can request the lenders for loan modification.

Hope this helps.

Marvel Becks