I've asked before and I'll ask again: what is a "reputable" credit counselling service? UTAH CREDIT COUNSELING SERVICE SHUT DOWN Consumers who relied on Consumer Credit Counseling Service of Utah to handle their debt payments are being urged to contact creditors directly after the Utah Division of Consumer Protection temporarily shut down the agency Tuesday. Participants in CCCS debt-management programs each month paid the nonprofit organization what they owed for all their bills. CCCS then forwarded payments to creditors from a trust account. The state is investigating why the trust account did not have enough money to pay all its clients' bills. SOURCE: Knight-Ridder / Tribune Business News