Are there other options other than credit counselors?

Question

We need help managing our money and deciding if we need to file bankruptcy. We dont have credit cards, thank God! Is there someone else that specializes in this kind of thing?Thanks in advance!!!

Answer 1

Yes, do it yourself. Control your spending and use the savings to pay down your debt and avoid the cost of a credit counselor.

Answer 2

Yes, there is another option.  You need to read and listen to Dave Ramsey.  You can follow his plan to get out of debt for free.  Go to the library and pick up his book "The Total Money Makeover".  He also has a daily radio show and you can access 2 weeks of archives on his website for free.