Okay, I think we're really at the point where we need help. Even here, somewhat anonymously, I feel too embarressad and ashamed of the situation we're in to even mention numbers. But I don't think we can get out of this debt without help. How do you find a good credit counseling company? Are some better than others, or does it not matter?
And to complicate matters, we have a trip coming up in a couple months that we've already committed to (brother's wedding, non-refundable plane tix and non-ref hotel room already on our card). The trip is almost certainly going to require a certain amount of more debt, so I don't think we can start the process until after the trip. Or am I wrong? Is there some way we can start the credit counseling without them telling us we're nuts and have to cancel the trip?