Credit consolidation; Credicare?

Terry Says

Phew — I wish you’d asked me BEFORE you did this! I don’t know this company — but they probably also told you to stop paying your bills (or even the minimums) because they will build up a “fund” to negotiate with the card issuers. In the meantime, your credit is surely ruined because you stopped paying — and if you’re working your wages may be garnished!
I suggest calling the National Foundation for Credit Counseling at 800-388-2227 and asking about this. They can advise. And please write back and let me know what happens.