My wife and I went to a credit counseling service many years ago. This one was free. We brought all of our bills and she went over them. She questioned us about our spending habits and worked on cutting corners as much as possible. The only thing wrong with this credit counseling service is that there was no “give” or “back and forth” discussions with her. She was young and insisted her way was the only way we could do it. I found it quite difficult to implement some of her changes so we didn’t follow the plan she laid out. Others may have had a better experience than we did but it just didn’t work for us.