Credit Counseling Services
Credit counseling services are all over the place nowadays. However, let the consumer beware because many of these companies are not looking out for your best interest.
When people in debt start to get desperate they will be vulnerable to believing anyone that may offer them some hope. This usually comes in the form of Consumer Credit Counseling Services or through a Bankruptcy Attorney.
Just remember that the consumer credit counseling services are going to try to convince you that bankruptcy is the worst option; while many bankruptcy attorneys will tell you declaring bankruptcy is the only way out.
The best way to figure which is right for you is to honestly talk to real people who have used these services. Do some research on the net or talk to some friends and family. While it may not be a subject you want to make public it is something you want to get right the first time.