If you have a lot of debt and it seems like you can't get out of it, there is still hope. Credit card counselling and/or combining your debts might be the best way to solve your problems.
A person who works in credit counselling can help you make a plan to get out of debt and teach you how to stay out of debt. Credit counsellors will work with you to create a debt management plan, which may include debt consolidation. They will also teach you how to avoid the careless spending and late payments that got you into debt in the first place. With the help of a credit counsellor, you won't have to wait long to become a responsible consumer.
The goal of a debt management programme is to help you get rid of all of your debt. So, you should do whatever it takes to get there. So don't be afraid to ask questions and don't worry about looking like you don't know what you're talking about. The credit counsellor is there to help you and answer any questions you might have. So ask your counsellor a lot of questions, and if you still don't understand something, just ask them to explain it again.
If your debt management plan includes debt consolidation, make sure to find out if there are any restrictions, like whether you can keep using your credit cards after the debt is consolidated. Most debt consolidation programmes require you to give up your credit cards once the debt is paid off. This could be the best choice for you or it could not. But if you really want to get out of debt for good, you might want to stop putting more money on your credit cards.
Lastly, you can do your own research if you want to. After all, you want to make sure you're working with the right company for debt counselling.
