Where do I get help for credit problems?

Look in phone book for credit counseling, but avoid any that charge a fee or offer a deal that sounds too good to be true. Stay in touch with the lender, and pay what you can. If you have tile for cars did you ever consider selling one if possible.Debt consolidation is very tricky there are so many scams artist out there, talk with free credit counseling and your loan officer, and see who can give you a better deal.