In debt with 3 accounts for not paying and late payments .

Be wary of debt consolidation agencies. A number of them have actually taken money from people and never paid the bills. It happend to some clients of mine and they were shocked.

Work directly with the people you owe money to. Tell them your financial situation and tell them you are trying to work out payments plans for all. If they are unwilling to work with you then do your own payment plan and pay each creditor something every month when due. If they are stupid enough to bring you to court, you can tell the judge that you went to the ends of the earth to work with them and it was the creditor that decided to bring it to court.

Finally, you should at least consider bankruptcy. If you qualify, in a Chapter 7, your unsecured debts would all be discharged in approximately 4 months and you would have a fresh start.

This answer is provided for informational purposes only. True legal advice can only be provided in an office consultation by an attorney licensed in your jurisdiction and with experience in the area of law in which your concern lies.

I agree with Mr. Myers. Many such agencies use your information for other purposes, too. Beware of that. Work along with the actual creditors to get a plan in place. If you need a modification lawyer, there are many available.

God bless.

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