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Has anyone here gone through a debt management plan sm

Posted by Broke on Mon, Aug 15 2022 at 01:07 PM CDT:

Hoping someone can share some advice/insight if you've had to use debt management services like Credit Associates or something.
I'm at the end of my rope. I can barely make monthly minimum payments and during the no work due to COVID I used up everything in savings and right now I have literally about %60 in savings.

I've read many articles listing pros and cons but I don't know which way to go and I would very much appreciate hearing from someone who has been through it, if you'd care to share.

Many thanks.

Follow Ups:

File Chapter 7 bankruptcy. Credit "management" will do the same damage to you sm nope nope nope Fri, Aug 19 2022 at 06:55 PM CDT (8)
- Can they take my car if I file Ch 7? I don't know anything about Ch 7 or 13. Thank you Broke Fri, Aug 19 2022 at 07:31 PM CDT (6)
  - You are allowed to keep a vehicle. Go for it. If you don't, what might end SM chap 7 Sat, Aug 20 2022 at 02:59 PM CDT (4)
    - I honestly can't thank you enough. Wish I could hug you. nm Broke Mon, Aug 22 2022 at 09:30 PM CDT (3)
      - You're welcome. Please don't be ashamed. When you go to the little sm chap 7 Wed, Aug 24 2022 at 12:25 PM CDT (2)
        
        Also, I am merely passing on advice given to me when my check was being sm chap 7 Wed, Aug 24 2022 at 06:31 PM CDT (1)
        
        Oh my goodness what a terrible ordeal you went through! I thank you so much Broke Thu, Aug 25 2022 at 07:53 PM CDT (0)
  - Meant to add the car is paid for. It's an older car but there's no lien on it. Broke Fri, Aug 19 2022 at 07:32 PM CDT (0)
- Also NO PHONE CALLS, NO LETTERS. chap 7 Fri, Aug 19 2022 at 06:56 PM CDT (0)
My experience. SM SM Tue, Aug 16 2022 at 10:56 PM CDT (1)
- Thank you so much! I really appreciate it. Broke Wed, Aug 17 2022 at 10:43 PM CDT (0)

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