Well I spoke with a Credit Counselor this morning and I never felt so much relief before! I hadn't even done anything yet. I am still looking into the Consumer Credit Counseling before I decide who I will go with. But honestly, I really liked the Customer Service Counselor I had spoke with and I may go with her. I know their fee maybe higher but I just really appreciate good customer service and I maybe able to get going on this within the next month, I am so excited!