Or check out Dave what’s his name. Someone posts his advice on FR.
That would be Dave Ramsey.
He has a course (I think it costs a couple of hundred bucks) that teaches about money and financial responsibility etc etc.
I believe you’re thinking of Dave Ramsey
http://www.daveramsey.com/home/
be wary of credit counseling agencies; many of them are ripoffs, and using one - so i’m told - has the same impact on your credit report as declaring bankruptcy
get the numbers together, and make arrangements with each creditor individually if possible
most reputable firms are happy to help you work out a plan you can stick to, but note: if you say the magic words “bankruptcy lawyer”, they will not talk to you at all
Dave Ramsey, he has a website and radio show. Love listening to him.