If you have decided to utilize the services of a consumer credit counseling service, keep in mind that you may be much better off consolidating your debt under Chapter 13 of the United States Bankruptcy Code.  You set the plan approved by the Court and make payments pursuant to a Court order that,  stops interest for unsecured creditors , stops late fees, and stops harrasing telephone calls. 
Contact the Office of John Rogers, Attorney at Law for a free initial consultation prior to signing up with the consumer credit counseling service and have a lawyer with extensive bankruptcy experience review your financial situation and advise you of the options available to you.
You can contact the Office of John Rogers, Attorney at Law at johnrogers@glasgow-ky.com or toll free at 1-888-651-9353 .
John Rogers, Attorney at Law is Board Certified – Consumer Bankruptcy Law – American Board of Certification