Perhaps you can contact your state's Attorney General and speak with them about this company? Here in Missouri, our Attorney General is proactive in dealing with bogus companies and even insurance companies that drag their feet in paying claims. I have been very impressed and surprised at how helpful the staff at the AG's office is.

Also, your first instincts are generally correct. There are probably several local genuine debt counseling agencies that can help you figure out your best solutions. The ones that are trolling through the mail are maybe not the ones to contact.

Jan