I took out a loan from my retirement account to pa
I took out a loan from my retirement account to pay off credit card debt. Once they garnished my check I feel I had no choice. Now if I pay off all cc and have nothing to pay but my mortgage and utilities. Also this loan will pay off another loan which comes out of my pay giving me more take home pay than I had before this loan. If I call the cc companies and settle my debts is there really a need for a settlement conpany. Am I being smart or are there other things I can do.