Avoid them at all costs.You can find all the help you need right here. You can certainly find a lot of help here, but this is a little to short a response. There are some bad consumer credit counseling services out there. They are for-profit, and tend to be as expensive as the hole you already dug yourself into. But there are also some genuine services out there, who have relationships with many credit card companies and other debt holders and can really help you negotiate down your debt levels and arrange an affordable payment schedule.Clark Howard, a nationally syndicated consumer advocate has a lot of advice on his web site (http://clarkhoward.com) and recommends a Consumer Credit Counseling service from this site:National Foundation for Consumer Credit Counseling8611 2nd AvenueSuite 100Silver Springs, MD 20910(303) 589-56001-800-388-2227www.nfcc.org
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