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i dont have a credit card.but i am in debt like 15,000 plus. it has all gone into collections. can you please help me?

A solution really depends on the type of debt that you have. If not credit card debt then what type of debt is it? Is it another type of unsecured debt or is it a secured loan? Secured debts are those cases where you borrow money to purchase something like a house or a car. The loan is “secured” by that asset and the asset can be repossessed by the lender to pay off the loan if you cannot make your payments.

If the debt is unsecured, you may still be able to use the services of a settlement company but I also suggest you speak with a non-profit credit counseling agency who can help you determine all the options that may be available to you. They offer free debt counseling advice.