Ok, no offense to the first poster... but reg fee? Are you kidding me? Do a little research before you appraise names. Seriously. I see you post a lot of appraisals on this site and it seems as though you never look into anything other than your personal impression on the name.
Here are the stats for "Credit Card Counseling"
PPC Ads # 93
Max PPC Bid $13.13
MAX PPC Income/day $43.77
Overture/mo 2895
Wordtracker/day 140
Google Keyword Tool puts the searches at 33,100 a month for these terms.
AND Credit-Card-Counseling.net, .org, .info, .us, ect are taken.
PLUS, this domain is just as good for SEO purposes as CreditCardCounseling.com. Google doesn't penalize you for having hyphens. And since most people going to these type of websites are going to be finding them through search engines, you don't need a "brandable" name. It's not the type of site that people are going to need to remember the name to check back in daily.... i.e a forum or blog. So no, the fact that the name is long and has hyphens doesn't really hurt in this case.