Obie, there has been a lot of great input here, especially from McDuff.

I can't add anything except to say that I think credit counseling organizations are non-profit, and they get at least some funding from the creditors themselves because they would rather people make deals to pay back than to file bankruptcy leaving the banks/creditors with nothing. You shouldn't have to pay for credit counseling, I don't think.

Best of luck! I'm sure you'll figure it out.