[Riley]

I’m a big fan of Dave Ramsay, who does a financial call-in radio show, which I recommend without hesitation. It’s really good common-sense stuff.

I don’t recall him saying anything good about any of them. You might give Dave a listen- or even call in to his show.

http://www.daveramsey.com/

I won’t speak for Dave, but I’m guessing that he’d suggest communicating with your creditors and seeing what you can work out with them.

Ramsay is fantastic at cutting to the chase and simplifying equations in people’s lives, and he does it from a Christian perspective.

[Hillarys Gate Cult]

I heard Dave Ramsey address credit counseling services a few weeks ago. The caller asked nearly the name question about them as the original post did. Ramsey said to avoid them and gave the same advice as the other posters on this thread already have.