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Call the Better Business Bureau and ask about an agency that you are thinking of working with and make sure that the Better Business Bureau is comfortable with them.
Based on your budget they are able to help you determine a realistic monthly payment that you can afford to pay on your debts.
If you want to know the best way to call up your credit card company and ask them to lower your rate, has some great step by step instructions. One way non-profit credit counselling agencies help Canadian consumers is by negotiating debt relief for people who are struggling with their debt and wish to enter a Debt Management Program.