Rule to live by: Whenever banks appear to be offering help, the odds are overwhelming that they are really offering to help themselves to your pocket book.
To be fair, I am quite certain some people benefit from these programs. However, when that happens, it's best to consider it an accidental byproduct of banks doing what is in their best interest, not yours.
When it comes to credit card counseling or foreclosures, your best option may be bankruptcy or walking away, not deals to pay back more than you can afford.
Only unbiased organizations will be looking out for you. That Bank of America, Capital One, and Discover are sponsors of "HelpWithMyCredit" is all you need to know to figure out the last thing you are going to receive is unbiased credit help.
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