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should i use a credit repair agency?
user
i've kind of been there myself.  i stretched my finances for the deposit on a house, and lived off my credit card for a few months to build up what i was short on the deposit.  add some unexpected car repairs, and i ended up with £10k on the card.  the problem i had then was that interest on the card ran at around 20%, and although i could meet the interest payments i couldn't clear the £10k. i simply went and talked to my bank.  in the uk there are some clear rules about banks giving customers a chance to restructure their debts.  that's the bank doing it, not some shady loan-shark.  we went through my finances and established that in principle it was repayable.  so i got a 2-year unsecured loan at around 5%, cleared the card, and spent the next 2 years paying off a loan that i could afford.  my credit score is still aces. forget the loan-sharks.  talk to your bank.  if they're crap, talk to another bank.  if no bank is going to help you, consider bankrupcy as per advice above.  debt restructuring companies are always a con, no exceptions.
assistant