Debt Relief Non Profit

What are the best companies for Debt Relief or not for profit?
Does anyone have any experience W / debt relief. My sister is in need of some help out of their mountains of notes due to a bad divorce and relationship decisions. She can afford to get a loan to help because of their terrible credit. I told him to file for bankruptcy but she wants to avoid that route. Does anyone have experience with this. Where is this proposal on customers? Is this a lawyer? Or debt relief?
A consumer proposal may be a better option – if she will work with an administrator of bankruptcy and reach a payment agreement with creditors. She will have to make payments but less than payment of all back. She can get a credit card prepaid Citi Bank credit to keep the building at the same time.
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