Posted on February 25, 2010 at 2:38 am do you have a link for self help debt  pack - that I can download?

Posted on February 25, 2010 at 2:45 am What is a self help debt pack? You mean like a how to reduce/eliminate debt kit?

Posted on February 25, 2010 at 3:18 am You can compile your own self help debt  pack - you'll need sample letters, worksheets, calculator,what else ... negotiating guidelines - a lot of reading ... question though, are younegotiating with your original creditors or a collection agency/attorney?

Posted on February 25, 2010 at 3:22 am I found one of those self help debt kits online that sells for $19.99 + tax. It's an e-book. And I agree with the above posts. Perhaps you should just be diligent with your research -and to help you compile your own kit here's a link where you can pattern settlement letters on http://www.debtfreedestiny.com/category/sample-letters/

Posted on February 25, 2010 at 5:39 am self help debt kits - hi what you can do is attend credit counseling, it is free, learnwhat you can there but don't sign up for the Debt Management Plan (it costs $25/mo)

Posted on February 25, 2010 at 6:19 am Thank you everybody! Do I have other options? Where can I find a credit counselingagency? What to look for in one?

Posted on February 25, 2010 at 6:23 am Court approved credit counseling agencies http://www.justice.gov/ust/eo/bapcpa/ccde/cc_approved.htm andguideline for Credit Counseling Agencies (according to the BBB):-Before you select a credit counseling agency ask for information on the following:-Are the agency services confidential?-Will they devise a plan tailored to fit your needs?-Are the counselors certified?-Are budget and credit education opportunities offered?-Will your funds be protected? How?-Is the agency accredited?-Aside from BBB membership (www.bbb.org) the consumer should also check its affiliation with the National Foundation for Credit Counseling  http://www.nfcc.org.