Here’s from their Step #13:
There are two popular methods that people use to tackle debt.
Paying down debt is good, but be wise about how you do it. There are strategies and there are tools. The site discusses 2 main strategies, and raises the option of the tool of using a credit counseling agency. BEWARE, though — use local businesses not from tv or the internet. Check their credentials, don’t just take their word about that they do. Read the contract carefully — check it all out with a trusted advisor. Many people are harmed by not using reputable credit counseling agencies.
Earlier posts in the series: #1: Commitment to change, #2: Assess your financial situation, #3: Clearing out financial clutter, #4: Set yourself up for success, #5: Get copies of your credit reports, #6: Clean up your credit report, #7: Make your money count, #8: Identify your starting point, #9: Do You Pass the Debt Test?, #10: Set your priorities, #11: Set SMART financial goals, #12: Set short-, mid-, and long-term goals