PARKLAND LEGAL GROUP I WAS IN A DEBT SETTLEMENT PROGRAM. I WAS NOT INFORMED THAT A CREDIT CARD COMPANY FILED A LAWSUIT AGAINST ME. THEY DID NOTHING FOR ME BUT I PAID THEM FROM 2/17 - 6/17. MY CREDIT SCORE TUMBLED AND I HAD TO FILE BANKRUPTCY. CORAL SPRINGS, FL

Jesus, how much did you owe if you agreed to a contract with an (alleged) "Debt Settlement" company in which you would pay $664 a month for four years ($31,872??!!)

You could have picked up the phone, used that money to settle at least some of your debts, and saved your Credit Score.   $664 a month is a LOT OF MONEY and I'm sure your CREDITORS would have appreciated seeing SOME of it. Instead you fell for a really stupid scam and, I'm sorry, you have only yourself and your noxious need for a Get Out of Jail Free card to blame. 

"My credit score is low."  That's what happens when you run up big bills and then, rather than try to resolve them, give your money to a third party which promises to make deals with your creditors because they can't get blood from a stone. 

"I can't get a loan."  No kidding.  Nobody in their right mind is going to lend money to someone who has $664 a month to spare but doesn't want to use any of it to pay that loan back. 

"My credit score has never been this low."  You reneged on your debts.  You had the money make payments and didn't do that.   A low credit score is the logical result of your decisions. 

"Credit Card Companies are Aggressive."  It's hysterical that you hired a scammy debt counselor instead of dealing with your creditors, yet now blame the creditors.  ALL YOU HAD TO DO was CALL THE CREDITORS and tell them that you wanted to set up a payment plan.  Instead you stiffed them.  Yeah, they're "aggressive" toward people who borrow money and don't want to pay it back.  Imagine that. 

There's a reason why your credit score is in the toilet.  You can find it in the mirror.