Friend is in a bind, wants to know if credit counseling is a good idea?

She has multiform credit cards, every though a single in default for some-more than 90 days. They hit every mitt to collections. She additionally has a vast volume of tyro loans as substantially as is stream upon these. No alternative debt – she rents as substantially as doesn’t hit a car. She has a motion though is now utterly pennyless cod to reasons we won’t hold (same reasons which led to her credit cards existence in default), though should hit income to equilibrate bills exclusive of a period or so.

So what crapper she do? If she calls a garner up agency, crapper she contend "look, we crapper equilibrate this most a month" as substantially as afterwards equilibrate it as substantially as they module accept that? Obviously there is no approach she crapper means to equilibrate what is past due. Is it reinforced to go by a credit counselling agency? Don’t they exclusive do a same thing though distribute for it? And what most a odds of removing reductions in seductiveness rates? She doesn’t unequivocally lovesome most artefact upon her credit measure since during this indicate her credit is utterly messed up anyway.

Thank we really most for some advice.