Credit Counseling Agencies are typically non-profit companies that specialize in helping consumers deal with their creditors.

They work with you and with those to whom you owe money to restructure your obligations with creditors.  Credit counselors usually don’t charge you for their services so you should make sure to ask if there are any fees.  After understanding your situation, they will deal directly with your creditors.  In order for them to do so, you will need to provide them limited authorization for them to act on your behalf.  In many cases, they are successful in both reducing the amounts you owe and creating payment plans that are affordable for you.  They can also be helpful in rebuilding your credit ratings.

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