Dear Credit Care,
Due to a reduction in pay, I have been unable to pay my credit card debt and have had three cards charged off, three on current payment arrangements and one charged off that may be heading to legal, though I have not yet received this notice. I was told by a bankruptcy attorney that I am over the median income amount to file Chapter 7 bankruptcy, but I can file Chapter 13, paying $575 a month for three years. This would close all accounts, even those in good standing. I would like to try to go through a consumer credit counseling agency to make arrangements with creditors and keep the current accounts open. Which is best? My credit is already ruined.