Here goes: I'm divorced, single and working two minimum wage part-time jobs. My credit is in the dung heap because of the divorce... he got the house I got the bills. I can't even afford bankruptcy! Where do I go for help? What type of agency do I consider? Where the heck to I begin?

Here is a good start: Credit Repair: How to Help Yourself (http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm)

And here is another good source:
Credit Repair at Experian.com (http://www.experian.com/credit-advice/topic-credit-repair.html)

Do NOT be tempted to pay someone to "repair" your credit report. Many of the companies that promise "repair" are only doing things that you can do yourself... and some of them do things that are only temporary... and some of them even do things that are outright dishonest.

Follow the advice at the above two links and you'll have a good start.

For further info, see here:Fair Credit Reporting Act (http://www.ftc.gov/os/statutes/031224fcra.pdf).