Welcome to the Community
You should always check everyone out with the BBB. Have a look at this at http://www.debtconsolidationcare.com/benefits.html it will explain the benefits of consolidation, counseling,etc. When you talk with a counselor, you can decide which, if any you decide. Also memebrs of this forum have used several different ones, ask around for who they have used, and results. Also, there is a DO it Yourself section, under "Our Services" you can check out for another option. Good Luck. If you have any questions, feel free to ask...KAren