CCCS (Springboard) will it help??

I am in a load of credit trouble. I am unsure what to do at this point. Everyone I have talked to, professional or otherwise, says CCCS or bankruptcy. I visited www.springboard.org and it sounds OK. Here is a detailed overview of my credit life.

NEGATIVES

Settled charge off, Capital One, last activity was 8/98
Paid $114 collection, Unique Management, last activity 12/99
Paid $85 judgment, Circuit Court of XXXX, last activity 8/98
1 30 day late payment, November 2002, Banknorth NA. Current otherwise since 4/02, $66.15 a month.

POSITIVES

American General $65 a month on $863, since 4/2002
Toyota Motor Credit (secured) $411.08 a month, since 4/2002
CareCredit $0 balance, since 4/2002
Dell $17.23 a month, since 12/2001
Dell $50.33 a month, since 11/2001
First USA $1474 balance, since 1/2001
MBNA $305 balance, since 1/2001
MBNA $1500 balance, since 10/2001
BP $22 balance, since 10/2001
Citgo $200 balance, since 10/2001
Citibank $2000 balance, since 9/2001
Target $810 balance, since 8/2001
Cross Country Bank $1420 balance, since 8/2001
Orchard $620 balance, since 11/2001
Sterling $624 balance (secured with $500) since 8/2001
Capital One $650 balance (secured with $99) since 12/2001
Capital One $540 balance (secured with $99) since 4/2002
Chevron $400 balance since 4/2002
Fingerhut paid in full, 10/2001-1/2002
First USA paid in full, 1/2002-5/2002

All of these cards/lines pretty much are at or over the limit. Since means when account was opened.

I do not have money to pay most of these anymore, due to illness and financial problems. I have three deferred student loans as well.

Any tips?

Option # 3: Stop paying everybody except for the car payment. If you can't pay that, just drive it till they repo.

Send a letter to the other creditors requesting that they not call you as you can't pay due to illness and advising them that you consider filing for bankruptcy. Some might ignore your request.

In that case, get a new unlisted number and have the old one disconnected.

There's no such thing as debtors prison. If you're judgment proof, WHY bother to discharge those small debts?

And, do a search here for CCC - or even better, just don't consider it.

http://www.springboard.org/creditor_partners.cfm

"Through our counseling, consumer education and Debt Management Plan (DMP), we provide your customers with their best alternative to bankruptcy, and at the same time, help them meet their obligation to you."

At least they're honest, they're debt collectors. ALL the consumer's disposable income will be sent to the creditors.