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Any credit counseling services that deal with payday loans?

Kimberly G asked:
I’m planning on going through a consumer credit counseling agency to get help with my overburdening debt. However, two that I checked into will not, or cannot, work with payday lenders. Are there any out there that will?

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How will credit counseling services affect my credit rating?

dwaindaddy asked:
I am thinking about allowing a credit counseling service (Take Charge America) to consolidate all my unsecured credit. Will this help or hurt my credit rating once I complete the program in about 3.5 years?

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