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Is your debt getting out of control? You should ask for assistance sooner rather than later.

You should opt for consumer credit counseling the minute you realize that you are unable to pay your bills on time, or are unable to settle the monthly minimums on your credit cards. There is no point in reaching the status where debt collectors start showing up on your doorstep every morning to extract their dues.

Credit counseling can give you some ideas of how to deal with the debt. It may also bring some financial restraint in your life.  But not all credit counselors are reputable. Therefore, it is important to select the right counseling service. Read more . . .