Help! I'm drowning in debt.
Are there any credit counsellors available?

Help! I'm drowning in debt.
Are there any credit counsellors available?
wouldn't that in and of itself put you further in the red? they are not free,if you can pay someone 2 tell you how 2 pay-off you debts,wouldn't it be wiser 2 make arrangement with your creditors yourself and save the counsellor's fee?