Need general thoughts on "credit help"/coaching organizations?

They will work out a budget for you and determine how much you should pay them into one monthly payment. The con is you can't get additional credit or sometimes they claim they pay, but eventually most got ripped off by the organization. I say go for it and try to find one that doesn't charge a highly maintenance fee and that it is a non-profit.Also, double check that all your creditors agreed to this program.