Credit Counseling Services How Credit Counseling Works Credit counseling organizations are typically non-profit and help consumers negotiate a debt management plan with all of their creditors. Many also provide bankruptcy court-mandated education and financial training to consumers. Similar in analysis to debt consolidation in that the counselor reviews your debts and income to quantify your […]

Debt Consolidation If you have not had a problem at one time or another with too much debt, consider yourself fortunate. Most bankruptcies are preceded by events that were not within the debtor’s control or reasonable expectations, such as sickness, disability, or job loss. If you have run into problems with unmanageable debt, there are […]