[Noporscheform]

I have not heard of a single credit counseling service that did not have a significant number of consumer complaints. This is propapbly due to the fact that by the time someone goes to a service they are not in a position to add any new expenses to their budget, and every one of these services charges a fee (greenpath is quoting up to $50 per month).

He needs to spend some time developing a cash flow budget, determine where he can cut back, work another job to increase cash income etc, this is the only answer. It is hard work, but can be done. If the car is upside down see about giving it back, move to a cheaper apartment, etc.

I have counseled many prospective clients on debt issues. I have not charged these individuals, as i could not help them longterm, and explained to them that I could not take them on as clients, as i also need to make a living. I would spend time to show them how to manage a budget, they can only help themselves. The biggest issue is understanding wants vs needs.