I fell behind on my credit cards when I had an emergency medical expense. Even though I have a steady job and income, they’ve raised the payments and dropped the limits so there’s no chance I’ll catch up. I want to do debt consolidation but most companies Google brings me are a scam. I know it ruins your credit, but 8 90+ past due accounts does that too. I’ve been unable to work out plans with them or find a second job. What is a reputable company?
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For my debt issues I would go here: http://www.direct.gov.uk
They are extremely helpful and are a mine of Free relevant information about debt consolidation.
Another source of Free info
http://debt-help-debt.blogspot.com/