I’m trying to get a grip on my finances and debt, and have been considering various alternatives. Years ago when I went to Consumer Credit Counseling services, they couldn’t help me because I didn’t make enough money at the time to pay anything back, and the sum total of their advice was to tell me to tell my husband (who had recently left me) to stop being an idiot and move back home to take care of his family. That didn’t happen.
Now I’ve been listening to The Dave Ramsey show, and am reading his Total Money Makeover book, and I really like his philosophy. I’m considering making an appointment with one of his local affliated counselors, but I thought I’d ask the most informed group in the world…you all…for your opinion. Has anyone here done his program, or used one of his counselors? Was it a good experience? How much do they charge for the initial sessions? In your opinion is this a good program to follow?
I’m trying to avoid declaring bankruptcy. I’ve tried to get a loan through Prosper.com that would clear up the worst, immediate problems and allow me to pay back people while still eating and driving my car, but I’ve had no luck so far. I really could use some input, but I don’t want to get taken advantage of, and would like to meet with someone in person…and Consumer Credit Counseling seems to be doing everything online.