does anyone know any non profit debt management organizations?

First, something you need to know is that when you contract a debt management organization to represent you, mortgage companies view this as filling for a chapter 13.

Secondly, some of these organizations will not make payment until negotiations have been completed. This could very well take up to 90 days, and we all know what 90 days non-payment can do to your credit rating.

Lastly, there isn’t anything that these agencies do that you can’t do for yourself. What you need to to is contact your creditors and speak with them. You will find that most of these companies are more than willing to work with you. You should have some of your income information handy. They may request that you fax the information to them, they know your credit report. It’s right in front of them.

In addition, you might want to pull your own credit to see how far it’s plummeted. Annualcreditreport.com offers a free report from either experian or equifax. You don’t necassarily need a tri-merge (pull from all 3 bureaus) because you can see the damage from one bureau. Keep in mind that some creditors only report on certain bureaus.

Good luck