Does Credit Counselling cost me money?

Some charitable organizations do counselling free of charge... A donation is usually appreciated. In most cases however you get what you pay for. It is not uncustomary to have to pay a professional for professional services. I myself do charge fees for services but I provide fair and equitable returns for my services. Do lots of research and do it before despairation kicks in. Bankruptcy attorneys in America will do much of the counselling under the Dept Of Justice directive.