Free also! Debt Counseling Agency
There are a lot of Counselling agencies out there. I used www.apprisen.com and they were good, I did not get filed in time and had to do it again. Here are others I haven't used.
- Access Counselling Inc.
2. Cricket Debt Counselling
3. National Financial Literacy
4. Debtor Wise
5. Solid Start Financial
5. Kansas Consumer Credit Counseling
All of these places are supposed to waive the fee if you are broke.