DO IT YOURSELF. (and stop screaming) Contacting the debt management companies will put an alert on your credit report worse than filing a BK or being charged off. Most delay payments and extend the 7 year period that would happen if you did nothing. If you need help, contact the creditors directly and ask for help. Most will work with you if you tell them that you will have no choice but file BK if they don't. In which case, they don't get anything.
