Are there any fees or donations

justmike,

This site offers free credit and debt counseling. You need not pay anything to undergo the counseling session. All you need to do is fill out the registration form and the counselor will be calling you shortly.

However, if you enter into the consolidation program, you might have to pay a nominal charge and this charge is negotiable as well. Please visit the FAQ section if you have any more queries regarding the service-

http://www.debtconsolidationcare.com/faq/faq12.html

Also visit this forum to know more about debt and credit related topics. Looking forward to hearing from you very soon :D