Credit Counseling for debts that have been sent to collection agencies?

Credit councelling is a good move, just make sure its legitimate by the goverment. It should be free.

Consolidation and negotiation scams are increasing.

Google the name of the company first followed by the word complaint.

They take your money and do nothing for you.

Look up consumer credit councelling in the phone book - not on the net.

You can also get a book called credit repair for dummies.

It tells you what these companies (legitimate ones) do, and you can do it yourself.

/

The only thing I can think of is to call the creditor directly and try to work out some type of payment arrangements. They are usaully pretty helpful as afar as working with you as long as you show them you are interested in paying them. Some will even settle for less than what is actually owed. To my knowledge your insurance will not cover the bills that incurred before you had the insurance coverage. Your local department of health and human resources may have some programs to help you with your medical bills,they may also offer some type of classes/programs to improve your standing. You may also ask them about legal aid for counseling and or advice. And no worries i am not judging you,Im in A situation very simaliar to yours.