Unfortunately a few bad apples have given debt counseling a bad name. First of all, do you know what debt counseling is? Do you know who debt counseling is for? In piling up a mountain of debt you probably have made horrible decisions trying to shield yourself from the harassment of perpetual phone calls from debt collectors and in vain attempts to take the debt pressure off.Looking for a quick way out, many people decide to file for bankruptcy or apply for consolidation loans in their efforts to minimize their debt. Neither choice may be the right one for you at this point. But how will you know? If this is an emergency or a chronic sitaution you find yourself in debt counseling may be your answer.
Frankly, the right time for some legitimate debt counseling is now. Why wait? Debt counseling can help you with a logical approach to the management of your current debt. Professional counselors work on an individual basis so that you can create a repayment plan that makes sense in your own situation. The plan is communicated to each of your creditors and each of them will be paid a percentage of the amount of the debt owed over a finite period. A debt counselor also will...
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