I totally agree that people should seek advice from at least 2 or 3 different sources for a solution to the problem. Given that most(myself included),faffed around for a few years before throwing in the towel,to spend a month or 3 looking into options isn't unreasonable,and could make the difference between successfully sorting out your debt problems or in fact making things worse!!

Do your homework folks,and dont just grab the first hand that attempts to pull you out of the big black debt hole you find yourself in.

Paul