Credit Counseling
Get professional credit management advice
Credit counseling services offer educational resources to consumers with the aim of teaching them how to better manage their debt and how to avoid getting trapped in debt they cannot pay off. In some cases, consumer credit counseling agencies also act as an intermediary between creditors and debtors, helping negotiate debt restructuring plans and settlements for debtors who are in over their heads.
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How Credit Counseling Works
Every credit counseling agency works slightly differently. In general, though, you should seek a not-for-profit organization; they'll work in your best interests rather than their own.
