NOTE: in Massachusetts, all Debt-consolidation companies must be incorporated as non-profits, even those that are effectively for-profit institutions . Use extreme caution when using any organization that "bundles" debt.
For those who have a lot of money with finances, and also get social security payments, a "representative payee" can be appointed- this person takes the client's monthly SSI/SSDI check and doles it out in more manageable increments