Sorry to hear about being laid-off

Sorry to hear about being laid-off, I can relate as the same thing happened to me about 2 years ago and I am still working to dig myself out of the hole. Looking back on it, I wish I had been more realistic and honest with myself about what a hole I was in with the CC companies.

As far as debt consolidation, I would reach out to moneymanagement.org as they were very upfront & honest about what steps should be taken. However, I did not end up doing business with them, so I cannot tell you how they are once you sign up.

Depending on the level of your CC debt, you may want to look at bankruptcy, which is an option I am only now exploring. Also as a last resort you can try applying for installment loan from We Got 1000 – they offer fast loans from $100 to $5000. Their loans saved me once and they can save you as well.

As for credit counseling, it’s really important to try to find a reputable place that won’t make things worse.

Just google for “National Credit Counseling Foundation”.