Can anyone help me with the above?
I'm under lots of stress, and would love to get this taken care of before Yom tov.
Thanks.
Please know that many (including myself) have been exactly where you are now. I hope that knowing that others have made it through this makes it that much easier to face.
A few bits of advice;
1 - Avoid making decisions out of panic/stress (as much as possible. I know that this is easier said than done...)
2 - There are a lot of people out there who will try to take advantage of your panic. I don't know anything about the service you mentioned, but many of them make big promises and don't do anything that you can't do yourself. It will take work, but you can learn to do this.
3 - Many people in your situation don't have a clear picture of where their money is going. Just sitting down and making a list of income and expenses will take a major load off of your shoulders. (You can use last month as a starting point). It seems like RSK is one place that might be able to help you with this.
I don't have any major insights into debt relief, but am happy to help in any way I can.