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Consumer Credit Counseling

Credit counseling can be an appropriate solution for consumers who find themselves overwhelmed by their credit obligations and need help restructuring what they owe.  A credit counseling agency’s goal is to help consumers gain better control of their financial situations by providing education and debt-counseling services to consumers in need.  A Credit Counseling agency helps the client identify his or her creditors and assess the debts due and the monthly payments they are committed to.   The goal of the credit counseling agency is to help clients find a payment plan they can afford and target a specific payoff date to make them debt-free. 

If you are seeking credit counseling, be sure to do so with a reputable nonprofit organization.  An excellent consumer resource for finding such an organization is the National Foundation for Credit Counseling.  For more information, visit their website at