Product: Debt or credit management

In XXXX, my fiance of 10 years died unexpectedly turning my world upside down. We lived in his mobile home in XXXX and I was trying to figure out how I could take ownership and refinance it to incorporate some other debt as his son said he wanted nothing to do with it. I was left with car, truck and RV payments along with the insurance, and 4 credit cards. I received one small life insurance settlement which I used to pay off my car and one of the large credit cards, but it still left me underwater. I supplemented the payments by using the credit card I'd paid off, and soon it was maxed out, causing me to fall into a XXXX XXXXXXXX. Almost a year to the day he died, his son told me he was selling the house and I had 90 days to move. I couldn't sell the trailer or truck because I owed more than what I could sell them for so I ended up having to move into my trailer because I couldn't afford rent. The truck ended up getting totalled and was paid off by the insurance company, but it still left me with the trailer/insurance payment 2 large credit cards with balances of Apx {$12000.00} and {$10000.00} and two smaller ones of around {$8000.00} and {$600.00}. I felt like I was drowning so in XXXX, I went online and found Americor who had good reviews so I called and talked to a woman named XXXX. She was exuberant, uplifting and I found hope for the first time since his death. She said they could definitely help me and then explained they would contact each of the lenders, negotiate the cards down, which is usually about 50 %, then that balance would be financed through their lender Credit 9. I was ecstatic, because that is exactly what I was hoping for. I told her it sounded great, then they sent me the contract to sign. After I returned it, she said I was not to take any phone calls from the credit card companies, and to stop making payments. She said it would be rough at first, but this needed to happen so they had negotiating power. In the meantime, I was sending in bi-weekly payments to build up a cash account which would be added into the loan from Credit 9. Next thing I know, they sent me a settlement for the small card. I asked when the loan papers were going to be signed was told I didn't have enough money built up in my account. A year went by and still no loan papers. I was getting upset, because this isn't the way I was told things would be done, so I called them and was told XXXX no longer worked there and that she'd explained the program incorrectly. They took money from my account for four years. They paid off the second smallest loan, but still no loan. I called them again and asked them if they'd contacted the holder of the other two cards and was told no, because I didn't have enough money in my account. Next thing I know, I being sued by the credit card company, but Americor wouldn't help me with that, so I was forced to go online and prepare my own response explaining what was happening. I then received another hand delivered letter showing that they'd filed a summary judgement against me for {$31000.00} some odd dollars, which included interest and Attorney 's fees, then my boss called me and said he got a letter stating my wages were being garnished. I called Americor and totally lost it on the phone. I told the person on the other end, I'd been misled from the beginning and was now in worse shape than when I contacted them. They said they could now do the loan and rushed me the loan documents which I read and again flipped out. They were going to charge me 24 % interest, which made the payments impossible for me to pay. They were able to lower the rate to 17 % and I reluctantly signed the papers and returned them. They were supposed to have paid the credit cards in full, but a recent look at my credit report shows there is a {$3600.00} balance. The payments became impossible for me to pay, as they left me with no money for food or fuel, so I contacted XXXX XXXX XXXX who again, said they could help. They had me stop payments to Credit 9 and have been deducting almost {$500.00} a month from my account, but in a recent email, I saw that they were going to charge me fees of {$27000.00} dollars to negotiate the loan down once I had enough money built up. I told them I'd have to find another solution because I can't afford {$27000.00} on top of the {$34000.00} +. In the meantime, they have not contacted Credit 9 who has now sent me to another collection agency. I am so despondent I can't sleep or eat. I've dropped XXXX pounds and am on the verge of tears constantly.