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Although the ultimate goal of a reputable credit counseling service is to help its participants, there may be some instances and situations where they just may not be able to help you. If after looking at your financial situation the credit counselor determines it will take more than five years to cure your debts, they probably will not offer you a repayment plan. But this is not the end of the road. You may still be able to work out a repayment plan with your creditors.
Contact your creditors and advise them of your current situation. This is not a time to be embarrassed or hide behind your pride. Full disclosure is the name of the game, and will take you further instance. Let your creditors know that you have every intention to repay what you owe. Your primary responsibility is to call your creditors to determine if they offer any time of repayment plans. Most do, and you may not know unless you call. If you are behind on your bills, and haven't picked up the phone, do not wait another minute. Call them today.