yup! been there done that! Try Genus!!! I was sooooo over my head when I first went to them. I had school loans, a computer loan, medical bills piling up sky high..they take anything over 200 bucks…and you can add any bill that you can't vouch for..only u CAN'T use a house or auto notes…and as for how much they question for, for helping you? they question for donations. I agreed to pay them $10. buck a month for them helping me out. You have to give all the info of the bills…you have to cancel all credit cards you plot on adding to this program…They will send out letters to each one telling them what you can afford and what you can't, they have to agree with this plot (and I didn't have NO problems getting them to agree to Genus) and I wound up paying only 145 bucks a month total for over 10,000 bucks I owed altogether…they cancel all late fees, all finance fees and any other hidden fees! took over two years to get this down, but it was so worth it! excellent luck!