
Quoting
jbjints
Thank you for replying. I just checked my credit report and it states "Paid or Paying as agreed", is that similar to bankruptcy? I feel like my original debt management company (Family Credit Counseling) did a bad job with my account, the new company (American Debt Counseling Inc.) on the other hand has a website where I can access my account 24/7 and I also deal with one person who is my case manager.
Should I just continue doing what I've been doing the past year and A half? As far as claiming bankruptcy......I have been able to make the payments but I am struggling to do so. I just do not want to be a dead beat. I made the mistake of getting myself into debt so I should be responsible for the debt. What I am more concerned with is whether or not I should continue with the debt management company or deal directly with my creditors which would save me 50 dollars per month.