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 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. 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”.

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