My brother just informed me that he's about 15,000 in debit to credit cards. I want to contact a debit counseling program, but there are now so many that I'm not sure who's a legit (i.e. non-profit) and who's just scaming for more of a poor soul's bucks. Does anyone here have any experience (good or bad) with particular debit consolidation organizations? Did they really help you out of debt or were they a total rip-off... Thanks for any help and advice you can give to someone totally ignorant of this kind of thing.
