I don’t know where you are from and the laws vary from place to place, but generally here in the states, the debt consolidation company’s really don’t buy you anything. Anything they can do, you can do as well. Call each credit card company or creditor, shut off the revolving accounts and let them know your situation. Tell them that if they don’t give you a payment plan then you will not be able to make the payments and will have to default on the loan. Make your situiation sound as desperate as you can.

The creditors want you to pay off the debts. They know that if you default on the debts, more than likely they will not receive very much.

Set up a plan, budget, call your creditors, cut off the cards if there are any and set this up yourself.

Good Luck!