Dealing with your personal debt problems on your own without any professional assistance is the only way to maintain your current credit rating.
When trying to dig out on your own, be sure you can afford the required monthly payments incuding interest and penalties on your debts. If you are not able to pay all of your creditors they will take legal collection action against you and may garnishee your wages.
If you are experiencing money problems it is best to speak with a licensed trustee in bankruptcy to ensure you are pursuing the right debt settlement option.
