Struggling to keep up with your payments? When your financial situation calls for it, seeking the services of a good credit counseling agency can help you get back on track.

What is credit counseling?

Credit counseling is a service offered to people with excessive debts as an alternative to bankruptcy. A credit counselor will work one-on-one with you to provide financial education, credit analysis and a working budget. For most who speak with a counselor and are serious about working their way out of debt, counseling has proven to be a successful alternative to bankruptcy.

What does a credit counselor do?
How do I know if I need credit counseling?
How do I choose a credit counseling agency?
Where do I find a reputable credit counseling agency?
What can I expect from a credit counseling agency?