No. of Recommendations: 2
I thought I'd find the name of a non-scam credit counseling service here but cannot find what I seek.

Try www.nfcc.org It's the National Foundation for Credit Counseling, and certifies credit counseling services.

In the mean time: Your friend should stop using cards for anything, include automatic payments. Every charge put on the card(s) digs the hole deeper, and they need to start filling the hole in.

AJ
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