How do you feel about Credit Counseling Agencies?

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With all the credit cards being sent out in the mail and so many people using credit cards, it is no wonder that people end up owing thousands of dollars. All it takes is to lose your job or get ill and suddenly you are seriously behind and the interest rates jump, your debt grows more. It is embarrassing as well as difficult to admit. Every city has an agency listed that works on sliding scales and they help people to reduce the expenses and get out of debt. There are also agencies that advertise on the web but they charge higher rates and some of them end up causing more problems and headaches. Would you consider using an angency if you were in debt and stressed out?