Debt Consolidation

An older family member of mine has a large amount of credit card debt and their only major asset is the house that they currently live in. From what I’ve read it seems that creditors will liquidate all of their assets including the house in order to try and cover the debt upon their [...]

I’m thinking about using a credit counseling agency or debt repayment plan but I’ve heard a lot of conflicting information about them in my research. Do you have any personal experience with it? Would you recommend it? Thanks.