I have run into some money (debt) problems

Welcome to the forums.

Tell us more about your situation. :)

If you are taking some professional help, the counselor will first analyze your debt accounts and find out how much you can afford in your monthly payments. The analysis will be done after deducting all your expenses from the income. Then, they will start contacting your credit companies and offer the payment proposals. After everything is finalized, some options will be given to you for making the payments. You can pick the best plan that suits to you. After you put your consent in writing, the program begins.