I can only reiterate what Honeybun has said! It's like that with my medication regime, I only tell when necessary. Not everyone is on a 'right to know' basis
Lots of people owe money. Most of us have credit card access. I am sure that once you talk to a company - and you have to be completely honest about all your out-goings, mortgage, direct debits etc.; you all feel easier and more relaxed. Don't sign anything immediately, make sure that you understand everything about how they plan to help you out of debt. If necessary go to see a Financial Advisor at the Bank.