Non-Profit Debt Consolidation
Non-profit debt consolidation companies do exist, but finding a good one can be an exercise in frustration. A quick online or telephone book search will give a consumer a number of firms with the non-profit wording attached to their names. In far too many cases, that's the only relationship they have to the words.
There are very good civic and religious organizations who may provide true non-profit debt consolidation, but the majority of the companies who used the term are far from it. They will lure the consumer in, who thinks there will be no fees, and then the surprise comes. The more upfront companies will specify that there are certain fees or they may even classify them as donations. Either way, they want to be paid for their services. In many ways, even this deception is better than the ones who simply skim money from the monthly accounts that the consumer pays into.
In the case of that, it is even hard to make legal action stick. There will have been some very fine print in the contract the consumer signed that makes it legal. Not only is the consumer out the money that they didn't expect to spend, they feel a violation of trust.