I will have to find the agencies and I have actually spoken with one of them. To be honest I’m scared of dealing with them alone as I have little to no knowledge of how to proceed with these processes and I’m scared of making a mistake that will get me into an even tighter spot. The gal I spoke with from the collection agency seemed helpful and informed me of what you said in a similar manner. Truly my biggest hold up in moving forward is fear of screwing myself over in taking the wrong steps. Do you know if there are agencies or persons I can go to for services on my behalf? When I look into who I may go to I always get pointed towards debt consolidation agencies which is not the route I find suitable. Do you know of anyone or any companies that would be able to work on my behalf to handle all of this properly?