i have one account in collections, and the rest are very far behind, i can work with most of them to get back on track except the one in collection, just wondering if it would be better to get a new loan to at least payoff the account in collection or get them all put into a credit counseling program? i was just hired at a new job, so either option would have to wait til i actually start working, but trying to figure out what to do to try to get out of this mess

My husband and I are in serious debt- although most of it is medical- his wages just got attached- and we can go without that money. I am on disability we are trying to sell our house and move to a more affordable one, but no offers. should we file for bankruptcy or wait? help please!

Are their any free credit counseling programs that help you ay off your credit as well as gain points for your credit? that are free and no credit cards required? if so can I please have the web sites…

How long or how many sessions on credit counseling do you have to take before they will let you file bankruptcy?

My debt is under control after a year-long struggle. Now I’m looking for a credit counseling service to help me improve my credit score. Can anyone recommend one?