What is a good organisation to help me with Debt management/consolidation?

There are many sites on the web, but most of them charge monthly fees and setup costs. I need help managing my credit, developing a budget and getting out of debt. Are there any good companies or non-profit organisations that provide these services?

What is a good organisation to help me with Debt management/consolidation?
Contact Consumer Credit Counseling Services, they are free and will work with your creditors to lower both your monthly payments and your interest rates. I used them several years ago and was debt free in 36-months.
Reply:TOTAL DEBT SOLUTIONS, LLC





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Reply:Hi,


We've found Crown Financial Ministries to be super. You can talk once on the phone with them for free, and they have trained financial counselors throughout the country who will meet with you and help you develop a budget to get out of debt, also for FREE. I'm not sure if they negotiate credit card rates for you like CCCS, but you can ask. I'm sure they will give you sound advice about it if they don't do it. They also have other tools, seminars, etc which you can check out at http://www.crown.org/


Also, Consumer Credit Counseling Services is helpful, although I think they may charge a small monthly fee now, and I don't have their website information.