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Credit counseling

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Non-profit credit counseling is usually recommended to consumers who need a way to get out of their debt without ruining their credit score or getting stuck with a high bill. Because non-profit credit counseling services do not take a profit by providing their services, consumers can work through their debt issues with very little cost.
During the process of credit counseling, a consumer and their professional credit counselor will work as a team to identify the problems and issues that got the consumer’s finances beyond their control. Credit counseling will also help a consumer put together a budget that will help him or her to get out of debt and on a path towards saving for his or her major and minor goals.
A typical session will start with the consumer bringing all of his or her current bills and statement of income to the credit counselor. The counselor then uses this information to put together a picture of the consumer’s finances. Then, the consumer and his or her counselor are able to create a budget and along with a plan for getting out of their debt.
People who go through the complete process of credit counseling report that they are more in control of their finances. They are also better able to stay out of debt.

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