During some seasons of life extreme measures are required in order to prevent failure.  With debt and the management of debt, it requires tough and direct decisions in order to get things under control.
If you are unable to control your debt and are not willing to be accountable with your spending, then some preventative measures [...]

The federal government is finally taking charge and revoking the tax exempt status on many non-profit debt counseling services. The last year has seen a definite focus on cleaning up the debt counseling industry.
High fees and high-pressure tactics were two hallmarks of credit
counseling groups whose tax-exempt status the IRS revoked, Everson said.He would not [...]