Debt Management Firms

Looking for a Debt Management company?

Over time i have accumulated large credit and personal loan debt that i am really hurting from today. In the past 6-12 months i have been making minimal payments on all the credit cards on time. The interest rates are high on the credit cards between 19-30%. I contacted serveral debt conslidation firms that told me that i would need to be late on my payments before they can help me.
Can anyone recommed a non profit debt managment firm?

I would recommend contacting consumer credit counseling. I would also recommend Dave Ramsey’s site.

I’ve worked with both and they are very helpful.