Hi,
1. Do you get assistance from the gov? Do you have a case worker or social worker? Ask them to refer you to someone or an agency.

2. This organization might be able to help you get organized. It depends on how much help you need.
http://www.sharefax.org/consumer_credit_counseling.htm
Consumer Credit Counseling Service:
Before you sign anything with them, ask them what they charge. They are a non-profit, but they likely have a small fee.

M.