californiagal

Finally my creditors are starting to discuss settlement. However, I don't have the money to pay a lump settlement. And my credit is horrible. The information on creditinfocenter warns never to use the credit consolidation companies. Is there another resource out there to borrow a sum of money to pay settlements? If I do all the negotiation myself, can I simply borrow money from one of these consolidation companies? Will that scenario be harmful to me and my credit?