Link to a forum : Does Credit Counseling WorK?

First comment from this forum :

07-17-2007 (4 posts)
"I'm going to go behind on my bills but Visa and mastercard don't seem to care. I've thought about going bankrupt but is credit counseling something to consider even if I can't afford my bills? "

see this forum at : http://myvesta.org/debt_forum/does-credit-counseling-work-t34.html