debt consolidation programs

Does anyone know of any government approved debt consolidation programs?

I know I'm not the only one struggling with this problem. But I really need some help: (I had a credit score of 670 two years ago. Now I have fear to check yet. I have two maxed out the credit cards, and a draft law on all the furniture equvilates to just under 10,000 in debt. My boyfriend has a lot of medical bills and for a time I was the only one with a job. I'm drowning in debt and it is very difficult to pay my bills. I want to consolidate my bills and get out of this black hole. There r so many programs, but I am afraid of being cheated. Ne can help me out?

What you need may be credit counseling, which can also help with the consolidation. Do not fall for those who advertise on TV because there are plenty of government approved counselors who can help with advice and consolidation of the nominal rates. Here U.S. is a link Department of Justice to the lists approved by the directors of State http://www.justice.gov/ust/eo/bapcpa/ccde/cc_approved.htm Just make sure that the company you select is approved by the NFCC (Http: / / www.nfcc.org) or AICC (http://www.aiccca.org) or both – you can do this check in web sites. Do not be fooled if you follow these tips. All the best!