I can't find the one I used. It was over 10 years ago and I don't remember their name. It was non-profit. I'd suggest only non-profit ones. The reason they want to know your income is so that they can come up with a comfortable monthly payment. They will ask you a lot of personal questions and you'll have to be open with them.

Also, you can work out deals with some creditors directly and even renegotiate interest rates. I t can't hurt to call and ask.