Can I use a Credit Counseling Service after debts are charged off?

I havent paid my bills in similar to a year. My credit inform says they’re live soured as a intense debt, as substantially as there have been 3rd parties perplexing to garner up upon a debts. we have come in to solidified income as substantially as we would similar to to equilibrate soured a debts. The 3rd celebration collectors desire money assets settlements as substantially as do not desire payments. Can we make ingest of a consumer credit counceling ingest to setup a remuneration devise to equilibrate these debts off? Or is it as substantially New for that? we was deliberation a country cardinal to intend all straightened up as substantially as upon plan, though my coworkers study that’s a intense intellection presented we will not be action any income from a country cardinal as distant as my monetary numbers work out. (disposable income vs assets debt after 5 years of payments).

I study a azygos of my creditors (discover) might be scheming to sue me. They released a censure to a internal courthouse, though a sherrif hasn’t been means to lane me down to substance a writings yet.