why do people say Financial counseling is a scam but can't provide proof?

PROOF:

'Companies that promise they are able to scrub your credit reports of accurate, negative information for a fee are lying - plain and simple,' said Lydia Parnes, Director of the FTC's Bureau of Consumer Protection. 'Under federal law, accurate, negative information can be reported for up to seven years, and some bankruptcies can be reported for up to 10 years.'

What else do you need?

Asking the same question 10 times when you have no interest in listening or doing your own research is pointless.