How do all these non profit debt counseling organizations make thier money for all those commercials I see?
My husband uses a real debt management agency - it’s not-for-profit. They don’t advertise, and he agreed to pay a $20 every month to cover the administrative costs.
The ones you see on TV are FOR-profit businesses and probably charge an arm and a leg. Some of them are less than legit, too. (We looked at a couple before finding the one we went with.)