Life...and money... - and lack thereof

[Skitchr4u]

but will that ruin my credit or put anything bad on my credit report

Spit, I work in the mortgage industry and as long as you make your monthly payment to them on time, and have the contract/agreement with them in writing you will have no problems obtaining a morgage or even a new car loan. The thing that will appear on your credit report is that you are working with a credit counselor, and that isn't a bad thing. As an Underwriter, I would rather have that appear than a Chapter 7 Bankruptcy, at least you are going the honest route and paying your way out of the situation you put yourself into. send me a pm if you want to talk about it...