I have around 8,000 in credit card debt. I've already stopped using the cards and I'm working on a sensible household budget and saving money every way I can, but I'm still having trouble making payments. I've looked into CCCS and other credit counseling agencies, but I'm concerned about the costs and effects on my credit report. "Debt negotiators" seem even shadier. I don't own a home, so a consolidation loan with a reasonable rate is probably out. What's your advice? right now I'm leaning towards trying to work something out with my creditors by myself, but I really could use some help. Every agency or program I read about seems to have some sort of nasty ulterior motive!