Can I use a Credit Counseling Service after debts are charged off?

I do this for a living, let me try to help. First, let's take a look at your overall goal, then I will attempt to get you there. 1. you want to avoid a suit. 2. you want to pay your bills 3. you want to repair your credit. Is that the correct order? This is a business, you need to approach the situation with the mind set of 'what makes a good business decision for everyone'. 1. Contact discover. Start with that bill since it is escalating. Offer them a monthly payment AND STICK TO IT ! Make it low enough to be affordable yet high enough to make it worth while. In other words, why would they involve the cost of suit if you are willingly sending them money? Another approach, arranged with them in advance, is to pay them a large upfront payment, to get their attention and show your sincerity, then small monthly payments. Again, it must be high enough to be cost effective not to sue and garnish. 2. Paying your bills can be done easily BUT since you are making efforts to improve your credit, get the most out of it. Consumer Credit is a great organization to ist you with budgeting, getting the bills paid and overall, improving your credit. In addition, as long as you are enrolled and following the program, the suits and garnishments will stop. So, this may be an option for you. However, if you can work it out with Discover, and you can create and follow your own budget, you won't need Consumer Credit. About what the bill collectors want: I want a BMW sport convertible, but lets be reasonable. Send the payment arrangement that works for you. Something is better than nothing. 3. If you are able to pay your bills, avoid bankruptcy. It will haunt your credit for a long time. You can pay your bills and repair your credit at the same time. Even on a budget, DO NOT settle for less on accounts if you don't have to. This eliminates advantages for you down the road in repairing your credit. You can approach it from paying one bill at a time or small payments to everyone. However, in advance, you should work out an arrangement with each so as to achieve the goal of deletion from your credit report, once paid in full. This is done with a lot of work on your part. I hope I have helped. The fact you are now in a financial situation to correct the past year's downfall is great. My hope for you is that you get the best credit available under the cirstances. Please feel free to email me with any additional questions. I am happy to ist you.