Outside of home mortgages, Americans owe over $2 trillion. I'm no economist, but that's a lot of money.
I believe Evans handles the issue in a fair way, acknowledging that many folks have put themselves on the edge of financial ruin through compulsive spending. Yet, there are folks who, for whatever reason, are just hanging on.
Instead of charging exorbiant fees, we as Christians, if we truly desire to emulate Christ in today's world, should work toward a multi-pronged approach to help combat debt.
Church seminars advertised toward the community may be a good step.