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I don't mean the looney bin kind LOL.
Have you gotten professional help with your budget? We have talked to people (professionals) but not hired anyone.
Did you just phone book it or did you go with a referral? We have done both.
How did it work out? I never found it they told me anything I didn't already know.
Was it worth the money? I personally didn't think it would be worth the money so we didn't hire anyone. However if you are really stuck it might be worth looking into.
As a debt collector with DiscoverCard, we dealt with Consumer Credit Counciling Services and those types of debt consolidation companies. My personal oppinion is they do more harm than good. I saw far too many that I thought were scams. But as a debt collector I didn't see the ones that worked right.
I think certain situations people need to look into Bankruptcy which I consider professional help.