Credit Counseling
Credit counseling is often a good option if you have a steady income and can afford to make payments, but high interest rates are keeping you trapped. It is a way to consolidate your bills into one payment and get the interest lowered.
Where to start
What I would look at first
Before doing anything else, get clear on these questions.
- Whether the consolidated monthly payment genuinely fits your budget.
- Which of your creditors will agree to participate in a Debt Management Plan.
- How enrollment affects your credit card accounts (most will need to be closed).
- How credit counseling compares with negotiating settlements or filing bankruptcy.
Not sure where you stand?
Share your situation and I'll help you figure out which direction makes the most sense.
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