Do credit counseling services actually help?

I need to improve my credit & am in about $50,000 in debt. Bankruptcy or credit counseling services?

some credit counselors are legit, some are scammers..chooose carefully. bankrupsy is not the end of the world…you can keep your house and car….check into it, also.

Consider that your credit will be no better after you contract a counselor than it will be after bankrupsy. If you dont plan on buying another house within 7 years, i woud go Bankrupsy. Probably cost you about 1000$, but the minute you file..the creditors have to stop calling you.