Another ? about companies not participating in debt mgmt. The bank was FNB Marin they said they do not do any type of benefits w/ credit counseling. They have now chged to BankOne. Do they participate in this type of repayment? I don't understand how they can say "NO" to a repayment plan. I am not trying to get out of paying. I have just been paying & paying & the balances go NOWHERE. It makes me so mad.