Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - I am in A lot of trouble and need some advice on what to do.? - I have went to A debt consolidation place and they advised me to file bankruptcy but in my state it cost about $1500.00 to do that i have been paying some each month but could not come up with the payments they wanted now i it is being turned over to an collection agency or attorney i have no way to defend myself i do not have the money to fight this what do i do PLEASE no nasty remarks i am just seeking some honest friendly advice. Thanks. -