Referral service
Their is a website called thecreditexchange.com dedicated to referring consumers who are struggling with debt to companies that can help them with finding the right answers to their debt problems. It is NOT a Debt Consolidation Company , and it is NOT a credit management company. It has affiliated companies that do that. What thecreditexchange.com website does is help you to figure out which is the best option for you and then refers you to the appropriate company to help you to pursue that option. It is the only company that I know of that does not perform the services itself.