Hi. I worked w/ an adviser til Dec2013. To make room for savings, she had me pay less than the min on 3 of my CC's. 2 companies set up pmt arrangements w/ me. But 1 wouldn't unless I paid for their credit counseling.Now they've sent me to collections.Should I make arrangements?I've read their shady.

It seems odd that certified financial advisor would suggest that you pay less that the minimum on your credit cards.
1) The minimum is the smallest amount they will accept without sending you to collections
2) Doing so is like not making a payment at all and will be reflected badly on your credit report & lower your score
1st I would look into getting another advisor.
2nd There's nothing wrong with making arrangements once you know the best way to do so. Here's help: How to Settle Your Credit Card Debt (in 6 Steps): http://thebudgetnistablog.com/2014/settle-credit-card-debt/
Live richer,
The Budgetnista
www.livericherchallenge.com <--my new, free, financial resource for women.

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