Bankruptcy Alternative

I need to knwo some alternatives to bankruptcy. I am way in credit card debt, and need some help?

Sherry asked:
Due to 2 divorces, and 2 surgeries that weren’t covered by insurance, I am about $50,000 in debt to credit cards, $30, 000 in student loans, and that doesn’t even count my mortgage debt. I am in need of major financial help, but I don’t want to file bankruptcy? Just wondering what [...]

How will credit counseling services affect my credit rating?

dwaindaddy asked:
I am thinking about allowing a credit counseling service (Take Charge America) to consolidate all my unsecured credit. Will this help or hurt my credit rating once I complete the program in about 3.5 years?

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