I'm fairly new here, so if this question has been asked before I apologize. You can just direct me to the answer you gave before.
I have about $25,000 in credit debt. It's spread across a few credit cards and most of them are very close to max. I finally stopped using the cards a few months ago. I'm just barely getting by financially. One of my credit cards called me a few months ago to update my income info and the guy recommended I call a company called Financial Management Sevices to find out about consolidating my debt. I called my credit union and the advisor there said I should call a company called CCCS (Consumer Credit Counseling Service). Is this a good idea that I look into this? Are there companies that are better than others? What should I look for? I called CCCS and briefly spoke to someone. She said that I have to come in for a session that will cost $25. If I end up deciding to use them she said it would cost me a max of $20 a month. What should I do?