Nah, use that $3K directly to fix the problem. Or, like Ishtar said, if you really want to use a credit counseling service, use CCCS. They'll be more reasonable than Myvesta.I don't know if anyone has asked you yet, but can you post your minimums and the interest rates and the balances you have? And what's your cash flow in, I think it was $2300 a month? If you get out from under your truck, it's a $500 snowball, which believe me, is not bad. I just don't know if you are making enough to live on and pay the minimums on your cards right now, that's why I'm asking (and why getting out from under that truck payment seems like a high priority). Anyway, details will help people give you better advice. (I know it's personal, but I'm not asking to be nosy, I'm asking so people can help you better and give you specific things to do, or try, or think about.)--Booa
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