Your financial situation will be stabilized and you will probably have additional money in your monthly budget for essential items. You will have a clear plan for resolving your credit problems and you�ll have the encouragement to work that plan until you are living debt free.

Credit counselors will design a consolidation program to meet your specific needs and help you get back on a manageable budget.  Consolidation is for you if you want:

* Reduced creditor calls and waived late and over-limit fees.

* Help on reestablishing credit.

* Reduced payments.

* Reduced interest and finance charges.