Question : Is it better to resolve debt using a debt counselor than doing it myself with the creditor?
I have never been late on credit card payments, as a result, I was given and have very high balances, and can no longer afford even minimum payments. I want to close all these accounts and see if I can negotiate a payment plan and minimize high interest rates.

My question is, am I better to resolve it with the credit card company direct, or use a debt counselor service?

PS: To complicate this situation, I got these credit cards using a ss# of my deceased father, which I know is wrong, and I know it is a crime, I just need to resolve it so it will quit causing me the severe financial problems and legal worries that I have (karma penalty perhaps, and I’ve asked for forgiveness). Thanks for your help or suggestion on how best to resolve the problem.
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Best answer:

Answer by Jane D
Initially, I would have told you that a credit counselor will be able to negotiate significantly smaller interest rates and payments for you, but in reading your entire question, I would advise you not to call any unnecessary attention to the situation, as what you have done is illegal, as you know. I’m afraid you’ve really painted yourself into a corner here. If you call the credit card companies, you may be forced to pose as your father if they are in his name. That could open a whole new can of worms. So, the best advice I can give you is to start with the account with the smallest balance and pay as much as you can on that to pay it off, while making the minimum payment on your other ones. After that one is paid, move on to the next biggest balance, and so on. Don’t close the accounts when they are paid off – this does more damage to your credit than leaving them open with a zero balance. It will take a lot of time, but be patient and you’ll get there. Good luck!