Go to the public library and read a few books on getting out of debt. You can solve your own problems without spending money you don’t have on “credit counseling.” This is a very empowering option and you will use your new-found financial management skills for the rest of your life.

There are no “government organizations” offering financial services, debt counseling, etc.

There are non-profit counseling organizations, but be careful as many organizations claiming to help people become “debt free” or manage your credit card debt are organized as “non-profit organizations” but are expensive and hazardous to your financial health. There are too many and new ones crop up too frequently to track their names and too many ways to scam people to begin to list them all.