Do those credit couciling services really work?

The ones that call your creditors for you and pay them? I have about 10,000 in credit card debt, a car loan and a student loan and I have to pay rent and utilities and insurance and I am just so overwhelmed its not funny. I have never been late on anything but I have no money for extra’s like oil changes and medical, My husband needs to go to the doctor but we can’t afford it. what can I do?

Most of them are scams, the ones that are legitimate don’t do anything you can’t do on your own. You may as well contact your creditors and see what they can do to help. Is defferring the student loan an option? Student loan companies are usually very flexible. A 2nd job might help get you over this hump.