Do you recommend credit counseling? I know things like being in debt can be a touchy subject around here, but I am trying to help out a good friend. Before you judge, this friend and their family recently faced over a year and a half of unemployment (that happened right after a baby was born), so that is why the amounts are so huge. They have $12,000 on one credit card, $12,000 on an unsecured loan and $18,000 on another credit card. $42,000 total debt. They do not want to file bankruptcy. Right now paying everything (housing, debt, utilities, gas and food) is more than the income (Thankfully no longer unemployed). The payments on one credit card is $250, the other is $350 and the loan is $300. They are living without extras, there just isn't anything else they can cut out. What would your recommend they do? What would you do in this situation? Try to get a secured loan? Debt consolidation loan? Debt counseling? OR? I need to offer them help and hope without judgement, please. THANKS for your help Budget Board!