I'm just beginning to research debt counseling companies and was also referred to Genus by two of my creditors. Unfortunately, I found out that Genus and many other debt counselors cannot help me in Michigan because of a state law prohibiting their business unless they have an office in the state.I have discussed my options with CCCS and was given a reasonable repayment plan. My worst fear, though, is turning over the control of my payments to a third (and not-all-together-impartial) party. Having just read through the Fool School's "Getting Out Of Debt" lessons, I think I'll try threatening bankruptcy first to lower rates myself. I've tried explaining my situation to negotiate a better rate, but get no better than temporary answers and referrals to yet another debt counselor.I'd appreciate any other ideas or success stories on getting better rates from creditors. Thanks!Jim
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