Wonder if you just need a credit counseling session to advise you on budgeting and managing your debt or a debt management program to help bring debt relief without stress?
Well, answer a few questions here: 
1. Have you been paying off your balance in three months when it used to take one month?
2. Do you always not know the amount you owe until your bills arrive?
3. Have you been maxing out your credit cards regularly?
4. Have you been paying bills with card cash advances?
5. Have you been paying off one credit card bill with another credit card?
If you answer Yes for most of the questions and you have only been able to pay just the minimum amount for your credit cards every month, this may indicate that you are in deep debt trouble and in need of a credit counseling session with a debt management counselor to educate you on how to budget and keep your debt under control.
If after going through a very thorough review of all your bills, income and expenses and the credit counselor finds that you can’t earn quite enough to make ends meet, he will suggest you to enroll in a debt management program.
Once it is determined that you need a debt management plan to help you pay down your outstanding debt, the certified credit counselor will start negotiating with your creditors to reduce the interest rates and waive the late payment fees and over-limit charges.
By combining your multiple credit card payments into one smaller and more affordable monthly payment, you don’t have to worry the possibility of going into further debt or into bankruptcy.
And when you have completed your payments that take approximately between 36 to 60 months, they’ll help you reestablish your credit.
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