[Keith in Iowa]

You don’t need “Credit Counseling” services.

Call any CC company you are in arrears with, and they can assist you on getting into a debt settlement plan with them to satisfy your debt obligations.

[NoPrisoners]

Call any CC company you are in arrears with, and they can assist you on getting into a debt settlement plan with them to satisfy your debt obligations.

Thanks, folks. I'm mortified that I can't make my monthly payments, and it's really embarrassing. But I figured FReepers would come up with a good solution.

[jessduntno]

“Call any CC company you are in arrears with, and they can assist you on getting into a debt settlement plan with them to satisfy your debt obligations.”

Agreed...

[txroadkill]

best response. work it out with your creditors. Most will move payments to the end of your note (car payment, house payment, other financed stuff) so you don't really miss them, you just pay a month or two longer. Credit card companies will take what you can send them, or you could get a new card and consolidate by using it to pay off the other cards and then cut them up and make one payment instead of 2, 3, or 4 or what ever you have.

Stay away from credit services, they ruin your credit and lately they have been going out of business and leaving you in worse shape than when you started.