I was on the Brian Lehrer show where we fielded tons of calls from people incensed about predatory credit counselors and credit card companies "helping" people in need with expensive new loans, interest rate hikes, and other chicanery. it's enough to make your blood boil.
If you need reputable help, try the National Foundation for Credit Counseling .
For more information on the Credit Cardholders' Bill of Rights look here. It would stop abuses like the "any time for any reason" interest rate hikes, or changing your due date so you get a late charge.
It passed the House in September, sponsored by New York's Rep. Carolyn Maloney. Let's make sure they don't forget about it.