Nonprofit Debt Consolidation

Hi, Is there really such a think as a nonprofit debt consolidation company? Are any even reasonably fair?
I've called several companies who consider themselves not-for-profit but when I talk to their reps, they start throwing out different fees which definitely are above common administrational costs. A couple of other companies I've called are somewhat reasonable with their fees, but the interest rates are bad. It seems as though they're supporting themselves through whichever financial institution ends out loaning the money. Maybe I'm wrong and just haven't found the right company?? Does anyone know of ANY debt consolidation companies that are reasonable? Low, fixed interest rates, no penalty for early payment of the loan, no hidden costs, etc.? Any help you could give would be very much appreciated! Julie

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NonProfit Debt Consolidation?
I have about $3000 dollars of debt that I was to pay off. I do not have the money to pay it in full. I don't know if it would be easier to consolidate it, or just go through the companies/collections. If it would be easier to go through consolidation, is there a safe non-profit agency that I can use? The bills were not that high, it was the interest that killed me. Any input would be great. Thanks.

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Has anyone use a nonprofit debt consolidation company? if it makes a dif I'm in PA- plz give me warnings too!?
IN 2005 I discovered that my sister (who had been living with us at the time for a few years) had gotten a few credit cards in my name. It was a little out of control- but we paid it all off....3 years later I heard my sister speaking with a man who had knocked at the door and she told him I wasnt home- when I asked her what it was about she was really evasive...I continued to push the topic and it turns out she opened ANOTHER credit card and never paid it off and I was being sued for it. We went to court, explained the circumstances (shes a jerk), negotiated the amount and I paid it off. I knew it would be at least 7 years before my credit would be worth looking at so I never did. OMG was that the second biggest mistake I ever made! (First was letting that crack head live with me). I have 3 judgements against my house totalling almost $11,000. I did somewhat learn my lesson- i haven't spoken to that idiot in 3 years- good riddance to bad rubbish-shes my sister and I love her and I hope she does something good with her life but she ONLY does BAD with MY life so shes out. But I'm still not willing to press charges or anything like that (I'm not even sure I could this late in the game). How do I pay these off? Is there any chance I can get the amounts reduces? I have SOME of the information- the name of the company that owns the debts and the account numbers, but when I looked up the name of one of the companies to get the number so I could just pay them I read AWFUL things about them. For starters- they will treat me horribly, which I understand- as far as they are concerned I'm just some deadbeat who didn't pay my bills and am probably an only child making up this sister just to not look like such a scum-bag. Secondly- from what I've read they don't notify the credit bureau once they get paid! Its bad enough that I have to pay financially for HER ignorance- I shouldn't have to pay with such emotional strain as well! Is there anyone out there who has accumulated some debt then used a consolidation company to help them get there credit affairs back in order- a company that treated them with respect and dignity? Thats what I am looking for...a company that doesn't need to know all the background info- just willing to help me from this point forward. Ive never done this before, so if you have ANY advise for me please feel free to pay it! Horror stories are totally welcome- the last thing I need to do is pay some other company $11,000 only to find out they kept it for themselves thru some crazy loop hole! Thank you everyone!!

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