is consumer credit counseling?
With the assistance of a counselor, you develop a debt recovery
plan designed specifically for you. Your counselor also negotiates
with credit card companies, banks, and other creditors to lower
your payments, interest rates, and late or over-the-limit fees.
counseling is an essential part of successful consumer credit counseling.
Your counselor helps you develop a balanced budget that meets your
living expenses and enables you to recover from your debts quickly
and stay out of debt in the future.