No. of Recommendations: 0
I'm not sure this qualifies as a "good" experience, but. . .

One of the things I hear often against Debt Managment Agencies/Credit counseling services is that they NEVER tell someone to declare BK, because they are really working for the creditors. About 5 or 6 years ago, my mother went to them and they said that they couldn't help her because her income was too erratic and insufficient for her debts and it would be better for her to declare BK.

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