What About Debt Counseling?

Paying for debt counseling is almost never a good idea.  There is almost nothing that a paid debt counselor can offer other than a recommendation about whether bankruptcy is appropriate and a list of highly priced debt consolidation lenders.  There is no good reason to pay someone for this service.  A reputable attorney will generally provide counseling on whether bankruptcy is the best option.  This avoids the double charge of having to pay a counselor and then an attorney.  If bankruptcy is not the right answer for you, a good attorney will offer a range of other suggestions.