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It would be great if you can find a real transparent and efficient non profit debt consolidation plan or a firm offering such plan. The fees would usually be on the lower side and you will not be drained out in feeding the firm providing you with the service. However finding out a non profit debt consolidation is no mean task.  

Such non profit organizations survive on their excellent relationships with most of the creditors. Creditors also have their own time and financial constraints and do not relish the possibility of litigation to recover debt due. They would settle for something lower than what they originally would get because they do not want to enter into disputes. Moreover a non profit organization on one side can bring down your payable interests to as low as 5% by bill consolidation and on the other hand will not charge a hefty fee for that. 

Thus it would be a great debt help when your monthly payments are cut down by as high as 60% and you get the chance to put in order your hitherto stumbling financial ship in course. These programs provide real unique solutions for each individual case however complex your debt problems could be. Moreover, once you choose some such agency, you will not be in any difficulty in verifying their genuineness since they are accredited organizations under the Federal laws.