hello,
A company has filed chapter 7 bankruptcy. we were receiving debt counseling with this co. They take our payment every month but for the last month, they took the payment but did not pay the creditors as per our contract. and we made a "down payment" that was to be refunded to us at the end of our consolidation program but we have not been able to contact this company. any help or advice would be greatly appreciated. Thanks!

I looks as if you've been scammed.
Now, try to get your name on the list of creditors for this companies and go to www.creditinfocenter.com and learn how to deal with your debt yourself.