I have a house that I just purchased 6 months ago (and want to keep) and a car that I still owe on (and want to keep also, but my other creditors such as credit cards and payday loans are threatening me with legal action as I am 3-5 months behind on most of them. My priority is to keep current on my house and car but I cannot afford to keep paying the other creditors. Consumer Counseling said they cannot help me as my income was not enough to cover my bills as the payments would be the same as if I worked out an arrangement with the creditors myself to payt 2%! Which is still something I can't afford. 3 Weeks ago my position was terminated at my job and I am trying to collect unemployment but am not sure I will get it. I don't want to lose my house or car and cannot keep up with the other bills. I want to take action before I have judgements filed if its not too late already. I have had some creditors threaten with judgements already. I do have a judgement filed already regarding a couple of checks that bounced at my local grocery that I have to go to court on (which will be a different post).
Can anyone steer me in the right direction please?
Sincerely
Thanks

