Once you are late...

[whatif]

Hi all,

I want to start my Debt Settlement, after reading a few posted articles I hope it works out. Since I am a rookie I might have some naïve questions..so please be gentle with me.?

Where can I sign up with Veritras for Legal Protection? Anyone did it? 

I know this sounds crazy, but I managed to have 23 open accounts and had not been late on any. Needless to say my overall Credit usage is up at 52%. Making minimum payments. my fico is 678. I am maxed out. Even though I still have a little air but my Personal Loans are killing me together with 3 CCs that are high monthly minimums. 

First only my list is SOFI Lending....anybody has any experience?

Also I have a BB&T Checking and Personal Loan if I cant pay them do they automatically close the Checking?

Generally what happened to the other accounts when you stop paying one?

I don't want to Declare Bankruptcy 7 or 13, I want to tackle the accounts I really no longer can afford paying.

Last question....my Mortgage is currently in Forbearance , I called them and told them I will come back and resume payments in 3 Months. They said I have 2 options, either pay a lumpsum or put the Moneys not paid in a Interest free account that need to be paid when I refinance or Sell.

Thank you all for looking at my stuff...and look forward to your thoughts.?