i have about 3k in credit card debt about 15k in medical expenses and about 2k in misc. accounts, I also pay monthly on a car and student loan but my income doesnt allow me to pay on all accounts, and my credit cards are now charge offs and i was considering going to CCCS (consumer credit counseling services) since they have a good rep and consolidate all the bills into one payment so that i can pay one note and it gets dispursed on all accounts but im not sure how its gonna look on my credit report? i dont think it can look any worse lol but im not sure please help with input thanks sammi
