I pulled this from Clark Howard's website, OP.

"Does Clark recommend using a credit consolidation company? No, consumers should avoid using credit consolidation companies. They usually want upfront fees and you may not get your credit problems resolved. Clark feels that Consumer Credit Counseling Service is the legitimate counseling service out there. They provide credit counseling for free and a debt management service for a three-to-five percent monthly fee not to exceed $50 (different for all states). Go to Welcome to NFCC! to find your local CCCS office"


Try calling your local CCCS office before you file for bankruptcy. There may be a more viable option available to you. Good luck.

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