Credit Counseling

My ex-husband really screwed my credit up and I was left to figure out all of our old credit card bills. I couldn't afford to pay for much of anything at all when we split up but we didn't have enough debt for me to consider bankruptcy or anything like that. I looked into finding a credit counseling service. I was just done with the phone calls and being worried constantly about these bills we owed. I looked into quite a few different options, including debt consolidation loans, debt management, and of course bankruptcy. I finally found a debt management company and it worked out pretty well. The phone calls stopped and I found out how to deal with my credit card debt, while improving my financial condition.