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Many years ago (20?) I was helped by an organization called CCCS - Consumer Credit Counseling Services.  They basically negotiated lower rates with my creditors and I made one monthly payment directly to them.  I was able to keep my accounts open but agreed not to use them while I was in the program.


It does not look like this organization is still around.  Are they under another name or are they gone?

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No idea about this particular organization, but one that gets mentioned here with regular frequency is Greenpath.


Once you have a path forward and build some momentum, start building up an emergency fund.  A healthy savings account is the best prevention to ending up in the same place again.


Best wishes.

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