Reestablish Your Credibility
Your non-profit credit counselor will outline a path you can take to reestablish your credibility. Make sure to stick with the plan religiously. You may need to have a lifestyle change to ensure that you will not fall into a similar predicament once again.
Do not answer to any call for any unsolicited services on credit repair or debt consolidation loans. These companies usually have higher interest rates and may drag you further down in the pit you are already in.