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Credit counseling services are intended to inform you about personal finance, credit, money, debt and to assist you in learning ways to use credit wisely.

Financial services are about more than just fixing immediate financial problems. They provide you with credit knowledge so you can plan and work towards a prosperous and financially rewarding outcome. When you understand how you can change your spending habits to positively affect your financial outcome, you will wonder why it took you so long to seek debt help.

Real Credit Counselling involves analyzing your current income, expenses and your debt, then working with you to assist in creating a budget that is based on your personal needs and your financial goals.

Financial advice will be offered specifically to improve your current financial situation and to improve your financial well-being. You and your personal credit counsellor will determine the best credit solutions for your current financial situation. Together you will make important financial decisions, such as, what expenses can easily be eliminated and/or reduced (perhaps trading down to a cheaper car or going out to eat less frequently) from your budget. After a thorough evaluation of your finances credit counselling will help you to put together a budget that you are comfortable with and that works for your money situation.

Once you've set the budget you will know if there are enough funds to steadily get your debts under your control again.

The easiest way to fix your own credit, (especially if your debt load is well below $10,000 and you have the personal discipline not to continue to get into debt) is through your own efforts. Try speaking with your creditors in an attempt to work with them. Creditors are aware that receiving some money is much better than receiving none.

However, if you feel you are unable to work with creditors by yourself don't worry, you can always go to a Licensed Credit Counseling agency who will do all of the above for you and more! Licensed Independent Credit Counselling agencies will work with you to create a repayment schedule based on your budget and your ability to repay. This plan may include a reduced payment schedule to creditors, a decrease in interest charges, elimination of late fees and over-draft fees, all adding up to big savings for you. These saving will help you to get out of debt faster, with less damage to your credit rating!

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