I am really having payday loans problems

You have already taken the first step by registering here for the free counseling. A counselor will be calling you and discuss about your options.

I assume that you are trying to understand how this program works. What the counselors do is find out how much your take home salary is, how much you need to live on (rent, food, etc) and then figure out how much you can afford to pay each month. Then they contact your creditors and explain to them that you are working with a debt consolidation program and set up payment plans using the amount that you can afford to send to them. Some creditors will suspend late payment fees and interest while you are working with a debt consolidation company so your payment goes straight toward the debt you already owe. Each month they should send you a statement that shows where your money has gone, and how close you are to paying off each of your bills. This is a viable solution for many people, especially when you are overrun by debt. Snowballing is better for those who have the money to pay and clear off their credit profile. The benefits of the consolidation program are summed in the page below.

http://www.debtconsolidationcare.com/benefits.html