Is there a non-profit co. that will help me consolidate credit card debts?

i want to be able to clear my debt. no one will lend the money to someone way behind on pmnts. i would like to make 1 monthly payment without struggling to make ends. but at the same time i would like name cleared after i repay the creditors. i dont want to do bankruptcy. the debt is around 8000

Is there a non-profit co. that will help me consolidate credit card debts?

I went through Kimberly Credit. Do a search for their website. They were reputable, and all of my bills were paid ontime. Keep in mind, there are a few things you should know about credit counciling agencies. (non-profit)

1. They still charge you a monthly fee. (which is included in your payment)

2. The first months payment they keep, until you make the second month. (this can put a bad mark on your credit for missing 30 days)

3. There will be a note on each of your accounts stating %26quot;this account is being managed by a credit counciling agency%26quot; on your credit report. (This can impact getting credit while your using them and 6 months after you stop)

4. All of your accounts will be cancel if they are being managed by a credit counciling agency.

The only possitive outcomes were:

1. The interest rates were lowered.

2. The bills were paid off in a certain time frame.

3. I could cancel with them any time. (however, your accounts will remain closed!)

Is there a non-profit co. that will help me consolidate credit card debts?

If you find a non-profit let me know so I can sign up too, LOL. The only nonprofit I know of is HUD but you can%26#039;t get a consolidation loan from them. If you are a home owner, chances are you have equity (money) available to you that will allow you wipe everything out at once and allow you to skip a months worth of payments all together (including your mortgage). Not to mention by doing a refi-consolidation loan you can write off all the interest on that consumer debt that wouldn%26#039;t have been able to otherwise. Check out www.thelendingcenter.com maybe they can help.