Do not beleive in the "non-profit" tax exemption as though a company would not charge you a fee. They make a ton of money from you and are also getting paid by the creditors. This is called "fair share". The IRS closed many companies and no longer issue the 501 3c tax exemption to any debt consolidators and when the IRS made this public, they also stated that their reason was simply due to the fact that debt consolidators were nothing short of
debt collectors hiding behind a "non-profit" status for appearance purposes for the unsuspecting consumer.
Be smart