Where would you find a person who would review your financial situation and make concrete recommendations to help you get out of debt?
Go to the Federal Trade Commission's Web Site (www.ftc.gov)and
look around the consumer section and you will find the answer your
looking. That is what I do, I am a Financial planner etc and the
ftc rights the laws for all of us. They will point you in the right
direction free of charge on there part.