Resolved Question: Has anyone used creative methods (other than getting second jobs) to pay off excessive student loan debt?

I am having a hard time choosing between solution to my debt problem. i have around $8000 in credit card debts right now. All of them are in collection agencies now and I have no means in paying all of them and all are delinquent too. I've been thinking of doing a debt program. I've been looking around and have seen debt consolidation programs, debt settlement programs, consumer credit counseling, credit counseling agencies and debt management plan... and I have a feeling there are more I don't know of. My question is which one would be the best option. By now I know my credit is bad and I have nothing to put into collateral. I'm not really comfortable in doing anything online because I want to see and talk to someone face to face. What are the fees involved in the programs? Do you have to pay them monthly too? I just need all the information I can get right now.

Resolved Question: I am currently $15k in debt and behind almost 3 months, I need the best solution & quick! Please help!?

I am thinking debt consolidation but everything I tried wants almost $500/month, I need a payment of $300 or less. I was thinking bankruptcy, but know nothing. I don't know what else to do and I'm just falling further behind as I can't afford much. I've also had great credit until now...looking for any advice of those who have been in the same situation, are still struggling, or are getting help...thanks!!

Resolved Question: Is credit/debt consolidation a scam? The commercials always sound so stereotypical scam like. Do they work?

I always hear commercials on tv/radio about debt consolidation and such, and they always sound so shady and scammy.

I have about $10 in a decades worth of bills, including a credit card, utilities, etc (i was bad with my money when i finished high school) and i wanna know if these "not for profit" companies that are offering these services are worth it? I dont understand either why they're not for profit, that makes it sounds even shadier. Are these owned and controlled by credit companies to get their money back or what?

Any one have experience with this?