So new years eve i smashed my car. I wasnt drinking. I was headed to work in bad weather, hit a slushy curve, and ran into a pole. I had only basic coverage, so my car was a total loss. So now im trying to get a new used car. I found a nice car in a dealership, and the machine that ran my credit laughed at me.

Ok, ive been bad with my money and have debt that i haven't paid in a long while. Time to man up and fix that. I am looking at Credit Counselling services. The two im really looking at are:

http://www.curadebt.com/
and
http://www.cccsatl.org/ (leaning toward this one)

Anyone have any experience with these? Anyone recommend any other programs?